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3 Year Fixed Rate Home Loan (Owner Occupied)
CBA's 3 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 6.59% to 6.89%.
Advertised rate
6.89%
headline tier
Comparison rate
8.26%
as published
Last moved
+0.30pp
22 September 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (2)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 3 years, Owner occupier, P&I, $10,000 to $99,999,999BALANCE | 6.89% | 8.26% |
| Fixed 3 years, Owner occupier, Interest only, $10,000 to $99,999,999BALANCE | 7.04% | 8.30% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| Settlement Feewhen it happens: $150 if the disclosure date in the contract is before 03/02/12. | $200 |
| Settlement Fee (Discharge)when it happens: Payable if you discharge the loan, i.e. | $350 |
| Stop Payment Notice Feewhen it happens: Payable if you ask us to stop payment on a cheque you have written. | $15 |
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%1 Year Fixed Rate Home Loan (Owner Occupied) 6.78%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%4 Year Fixed Rate Home Loan (Owner Occupied) 6.89%3 year Fixed Rate Home Loan (Investment) 6.91%
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