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1 Year Fixed Rate Home Loan (Owner Occupied)
CBA's 1 Year Fixed Rate Home Loan (Owner Occupied) is a home loan. The figures are the ones CBA publishes under the Consumer Data Right today. The advertised rate last moved on 22 September 2026, up from 6.49% to 6.78%.
Advertised rate
6.78%
headline tier
Comparison rate
8.53%
as published
Last moved
+0.29pp
22 September 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (2)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Owner occupier, P&I, $10,000 to $99,999,999BALANCE | 6.78% | 8.53% |
| Fixed 1 year, Owner occupier, Interest only, $10,000 to $99,999,999BALANCE | 6.94% | 8.54% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Additional Security Feewhen it happens: Payable if we require you to provide more than one security (i.e. | $150 |
| Administrative Feewhen it happens: 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 | $50 |
| Annual Service Feerecurring: Payable if your home loan is with the former State Bank of Victoria and the terms and conditions state the fee is required. | $33 |
| Early Repayment Adjustment Feewhen it happens: 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 (includin | see lender |
| Home Loan Package Feerecurring: 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 | $395 |
| Late Payment Feelate payment: For home loans - If your account falls into arrears, you will be charged a late payment fee. | $20 |
| Lenders' Mortgage Insurance/Low Deposit Premium: Lenders' Mortgage Insurance (LMI) or Low Deposit Premium (LDP) may apply where there is an increased risk associated with a home loan. | see lender |
| Periodical Payments or Transferson variation: $1.80 plus transfer fee, bank cheque fee and postage as applicable. | see lender |
| Rate Lock Feewhen it happens: 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 | $750 |
| Security Guarantee Feewhen it happens: Payable if a guarantor is listed on the loan schedule. | $200 |
| Security Substitution Feewhen it happens: Payable if you ask us to substitute one of your securities with another. | $300 |
| Settlement Cheque Feewhen it happens: Payable if you require additional cheques (more than two) to fund / settle the loan. | $30 |
Other CBA home loans
Digi Home Loan (Owner Occupied) 6.34%Digi Home Loan (Investment) 6.44%Simple Home Loan (Owner Occupied) 6.59%Standard Variable Rate Home Loan (Owner Occupied) 6.59%Simple Home Loan (Investment) 6.79%Standard Variable Rate Home Loan (Investment) 6.79%2 Year Fixed Rate Home Loan (Owner Occupied) 6.82%1 year Fixed Rate Home Loan (Investment) 6.84%2 year Fixed Rate Home Loan (Investment) 6.87%3 Year Fixed Rate Home Loan (Owner Occupied) 6.89%4 Year Fixed Rate Home Loan (Owner Occupied) 6.89%3 year Fixed Rate Home Loan (Investment) 6.91%
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