Key information & dates

Friday 13 February 2026
On this date, interest rates on our variable rate home loans will increase by 0.25% p.a. This is the effective day from which your new interest rate applies to your home loan.
Saturday 14 February 2026
On this date, you’ll be able to see your new interest rate in the CommBank app and NetBank and check whether your repayments are changing.

What are the rate changes?

The reference rates listed below are our variable interest rates before any discounts have been applied, such as Wealth Package discounts or personalised rates tailored at application submission.

Owner Occupier

Product name
Current Principal & Interest Reference Rate^
Reference Rate effective from 13 February 2026^
Current Interest Only Reference Rate^
Reference Rate effective from 13 February 2026^
Standard Variable Rate
8.05% p.a.
8.30% p.a.
8.54% p.a.
8.79% p.a.
Digi Home Loan
8.05% p.a.
8.30% p.a.
8.54% p.a.
8.79% p.a.
Simple Home Loan
8.05% p.a.
8.30% p.a.
8.54% p.a.
8.79% p.a.
Extra Home Loan (Off sale)
7.28% p.a.
7.53% p.a.
7.84% p.a.
8.09% p.a.
Economiser (Off sale)
7.59% p.a.
7.84% p.a.
8.08% p.a.
8.33% p.a.
No Fee (Off sale)
7.35% p.a.
7.60% p.a.
7.84% p.a.
8.09% p.a.
Viridian Line of Credit (Off sale)
N/A
N/A
9.53% p.a.
9.78% p.a.
Equity Unlock Loan for Seniors (Off sale)
N/A
N/A
8.95% p.a.
9.20% p.a.

Investment

Product name
Current Principal & Interest Reference Rate^
Reference Rate effective from 13 February 2026^
Current Interest Only Reference Rate^
Reference Rate effective from 13 February 2026^
Standard Variable Rate
8.63% p.a.
8.88% p.a.
8.89% p.a.
9.14% p.a.
Digi Home Loan
8.63% p.a.
8.88% p.a.
8.89% p.a.
9.14% p.a.
Simple Home Loan
8.63% p.a.
8.88% p.a.
8.89% p.a.
9.14% p.a.
Extra Home Loan (Off sale)
7.63% p.a.
7.88% p.a.
8.19% p.a.
8.44% p.a.
Economiser (Off sale)
8.17% p.a.
8.42% p.a.
8.43% p.a.
8.68% p.a.
No Fee (Off sale)
7.93% p.a.
8.18% p.a.
8.19% p.a.
8.44% p.a.
Viridian Line of Credit (Off sale)
N/A
N/A
9.53% p.a.
9.78% p.a.

Savings accounts & Term Deposits

  • We’re currently reviewing the interest rates for savings products.

    You can log on to the CommBank app or NetBank to see the current interest rate for your Savings account or Term Deposit. Or alternatively, you can go to our account pages below to see the most up-to-date rates. 

  • How to check your interest rate

    You can check the interest rate for your savings accounts in the CommBank app or NetBank

    For the CommBank app:

    1. Log on and go to 'Accounts'
    2. Select your savings account
    3. Tap on 'Manage', then 'Rates'.

Contact us

Things you should know

  • ^ The reference rate is our variable interest rate before any discounts. Your current interest rate can be found in NetBank and the CommBank app.

    Commonwealth Bank of Australia ABN 48 123 123 124. Australian credit licence 234945.