5 Year Fixed Rate Loan (Owner Occupied)
An owner occupied home loan where the interest rate is fixed for 5 years.
- From (owner occupied)
- 6.79%
- 7.73% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 5 years Owner Occupied with Principal and Interest repayment type with Package | 6.79% | 7.73% | BALANCE |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 5 years Owner Occupied - Interest Only payment type with Package | 7.19% | 7.89% | BALANCE |
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 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
- Fixed Rates are subject to change up until funding. 'Rate Lock' is an optional feature that allows you to lock in your reference interest rates on new Fixed Rate Home Loan and Fixed Rate Investment Home Loan applications for 90 days for a non-refundable fee, charged per fixed rate loan account. This excludes Home Seeker applications, CommBank Green Loan applications, switching, splitting, top-ups, loan purpose transfers or repayment changes. Rate Lock can be requested any time before loan documents are issued and the reference interest rates applicable to your Rate Lock will be on the date we receive the completed Rate Lock consent from all applicants. The Rate Lock fee will be debited from your Related Account when the Rate Lock request is processed. If there are insufficient funds in that account, or the account is no longer open, then the Rate Lock fee will be charged to your home loan and your home loan will go into arrears (and fees may be charged). The 90 days commences when the Rate Lock request is processed. You can ask us to break the Rate Lock before funding (for example, if rates go down) and revert to the reference interest rates available on the funding date.
- You can make additional repayments of up to $10,000 for each year of your fixed rate loan, without incurring additional charges. Excluding Interest in advance periods. Administrative Fee and an Early Repayment Adjustment (ERA) may apply. See the 'Additional repayments' section in the Fixed Rate Home Loan fact sheet for more details.
- 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.
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 e6ddbd53020f478b90caaddff85baecd · View on CDR.gov.au