2 Year Fixed Rate Home Loan (Owner Occupied)
An owner occupied home loan where the interest rate is fixed for 2 years.
- From (owner occupied)
- 6.34%
- 7.89% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 2 years Owner Occupied with Principal and Interest repayment type with Package | 6.34% | 7.89% | BALANCE $10,000–$99,999,999 |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 2 years Owner Occupied - Interest Only payment type with Package | 6.74% | 7.97% | BALANCE $10,000–$99,999,999 |
Fees
| Fee | Type | Amount |
|---|---|---|
| Rate Lock Fee Payable if you elect to lock in your interest rates and is charged when we set up your home loan or when your rate lock request is processed (if requested later). This non-refundable fee applies to 1-5 Year Fixed Rate home loans only. We will lock in the interest rates from when we receive your completed rate lock form and will end 90 days after we process your rate lock request. Fee applies per rate lock. | Event | $750.00 |
| Settlement Fee $150 if the disclosure date in the contract is before 03/02/12. Payable regardless of whether we attend settlement or not, when the Bank or our representatives, arranges the funding of the loan. | Event | $200.00 |
| Settlement Cheque Fee Payable if you require additional cheques (more than two) to fund / settle the loan. Fee applied per cheque. | Event | $30.00 |
| Late Payment Fee 5 · For home loans - If your account falls into arrears, you will be charged a late payment fee. This fee is payable on the fifth business day after the monthly repayment due date. We will continue to charge the fee monthly until you repay all arrears or you enter into an arrangement with us for the full repayment of those arrears (even if you repay your loan weekly or fortnightly). If you break that arrangement the fee will continue to apply. | Late payment | $20.00 |
| Settlement Fee (Discharge) Payable if you discharge the loan, i.e. either sell part or all of the Security Property or refinance your Loan with another credit provider. |
Features
- 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.
- Enjoy home loan interest rate discounts, and waivers on certain fees (subject to eligibility criteria). To receive these benefits your home loan must be receiving Package benefits under the Wealth Package (non-broker customers only) or Mortgage Advantage (broker customers only).
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 de931b0938e044799563141810242f68 · View on CDR.gov.au · View Source Data (JSON)