3 Year Fixed Rate Home Loan (Owner Occupied)
An owner occupied home loan where the interest rate is fixed for 3 years.
- From (owner occupied)
- 6.59%
- 7.83% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 3 years Owner Occupied with Principal and Interest repayment type with Package | 6.59% | 7.83% | BALANCE |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 3 years Owner Occupied - Interest Only payment type with Package | 7.04% | 7.96% | BALANCE |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Service Fee Charged yearly · Payable if your home loan is with the former State Bank of Victoria and the terms and conditions state the fee is required. | Ongoing | $33.00 |
| Home Loan Package Fee Charged yearly · The fee is charged annually to your nominated account when your home loan has package benefits included under the Wealth Package (non-broker customers only) or Mortgage Advantage (broker customers only). | Ongoing | $395.00 |
| Additional Security Fee Payable if we require you to provide more than one security (i.e. the security used to support the repayment of the loan), and one or more of these securities is 'new' i.e. does not already secure another loan. Fee is applied per 'new' security. | Event | $150.00 |
| Administrative Fee An Administrative fee is payable if you repay your home loan in full before the fixed interest rate period expires; or make partial prepayments which exceed $10,000 in any year of your fixed rate loan. | Event | $50.00 |
| Early Repayment Adjustment Fee An Early Repayment Adjustment is payable if you make partial prepayments on a fixed rate loan which exceed $10,000 in any year of your fixed rate loan (including paying the loan off in full); or make full prepayment during a capped or one-year guaranteed rate period of a home loan; or switch your Fixed Rate loan before the selected fixed or guaranteed rate period expires; or Top up the amount of credit of a home loan during a fixed or guaranteed rate period. |
Features
- Redraw facility
- Redraw is not available during a fixed rate period. However, if you do make additional repayments during a fixed rate period, or had available redraw when you entered your fixed rate period, the redraw feature will become available at the expiry of the fixed rate. The amount available is adjusted so that at the end of your agreed loan term, both your loan balance and the available redraw will be zero.
- Digital banking
- Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.
- Guarantor supported
- A guarantor is someone who agrees to be responsible for repaying a debt owed to us under a loan provided to another individual or business if the borrower (or borrowers) cannot make their repayments. A guarantor supports the loan by providing us with an additional security such as their home. By providing a guarantee, we may lend to the borrower in situations where they may not have been able to secure the full amount of the loan they require.
- 1-30 years
- At Maturity of the fixed term, the Fixed Rate Home loan will switch to SVR Home loan and the interest rate will revert to the SVR Rate applicable to your loan and repayment type.
Eligibility
- Individuals only
- Business customersNon-trading Companies and/or Family/Unit/Hybrid Trusts.
- Minimum age — 18 yearsIndividuals (natural persons, including as Trustee of a Family Trust) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older.
- Applications for home loans are subject to the Bank's normal credit approval.
- Residency status — CITIZEN, PERMANENT_RESIDENTIndividuals must either be living in Australia as an Australian citizen, New Zealand citizen, Australian permanent resident or specified temporary Australian resident; or be an overseas citizen co-borrowing with an Australian citizen or Australian permanent resident or be living overseas as an Australian citizen or Australian permanent resident.
Constraints
- Opening balance — $10,000.00For a Fixed Rate Loan, there is a minimum loan amount of $10,000 for new loans.
- Maximum LVR — 95%The total LVR for an existing and/or new Fixed Rate Home Loan cannot exceed 95% (subject to any postcode restrictions)
More Information
Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID d7c55e295f504692a54360f0d2092c43 · View on CDR.gov.au