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Standard Variable Rate Home Loan (Owner Occupied)
CBA's Standard Variable 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 9 October 2026, up from 6.34% to 6.59%.
Advertised rate
6.59%
headline tier
Comparison rate
6.97%
as published
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 6.34% and 6.59% over the last 30 days.
Every current rate (8)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60%, $10,000 to $99,999,999BALANCE | 6.59% | 6.97% |
| Variable, Owner occupier, P&I, LVR 60 to 70%, $10,000 to $99,999,999BALANCE | 6.64% | 7.01% |
| Variable, Owner occupier, P&I, LVR 70 to 80%, $10,000 to $99,999,999BALANCE | 6.74% | 7.11% |
| Variable, Owner occupier, P&I, LVR 80 to 90%, $10,000 to $99,999,999BALANCE | 7.04% | 7.41% |
| Variable, Owner occupier, Interest only, LVR up to 60%, $10,000 to $99,999,999BALANCE | 7.08% | 7.15% |
| Variable, Owner occupier, Interest only, LVR 60 to 70%, $10,000 to $99,999,999BALANCE | 7.13% | 7.20% |
| Variable, Owner occupier, Interest only, LVR 70 to 80%, $10,000 to $99,999,999BALANCE | 7.23% | 7.30% |
| Variable, Owner occupier, P&I, LVR 90 to 95%, $10,000 to $99,999,999BALANCE | 7.99% | 8.35% |
Rate moves, last 30 days
- 9 October 2026: 8 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 60%, $10,000 to $99,999,999, from 6.34% to 6.59%.
Published fees
| Fee | Amount |
|---|---|
| Settlement Feewhen it happens: $150 if the disclosure date in the contract is before 03/02/12. | $200 |
| Settlement Cheque Feewhen it happens: Payable if you require additional cheques (more than two) to fund / settle the loan. | $30 |
| Late Payment Feelate payment: For home loans - If your account falls into arrears, you will be charged a late payment fee. | $20 |
| Settlement Fee (Discharge)when it happens: Payable if you discharge the loan, i.e. | $350 |
| Additional Security Feewhen it happens: Payable if we require you to provide more than one security (i.e. | $150 |
| Periodical Payments or Transferson variation: $1.80 plus transfer fee, bank cheque fee and postage as applicable. | see lender |
| Progressive Drawing Feewhen it happens: Payable when the Bank makes a number of progressive payments to fund your loan amount. | $75 |
| 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 |
| Stop Payment Notice Feewhen it happens: Payable if you ask us to stop payment on a cheque you have written. | $15 |
| Voucher Feeper enquiry: $4 per voucher (minimum charge $12) or $60 per hour spent to retrieve voucher(s). | $12 |
| Trust Investigation Fee and UTC Clause 2.1per enquiry: To be advised when we calculate the fee. | see lender |
Other CBA home loans
Digi Home Loan (Owner Occupied) 6.34%Digi Home Loan (Investment) 6.44%Simple 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%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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