Commonwealth Bank Fixed 3 Years

Commonwealth Bank
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Headline interest rate p.a.
Comparison rate p.a.
Annual fee

Moneybuddy says

Commonwealth Bank's 3-year Fixed Rate home loan is fixed for the first 3-years and then after the term, will convert to the CBA Standard Variable rate. This option is great for you if you want the security that comes with fixed rate home loans but at the same time, you do not want to be locked into a long term fixed rate home loan!

The Basics

Max LVR 95.00%

Interest type Fixed rate

Headline interest rate p.a. 5.24%

Comparison rate p.a. 5.90%

Annual fee $96

The cool stuff: features

Draw down loan progressively -

Insurance details -

Loan is Transferable -

Line of credit available No

Product suits Owner - Occupier

The Facts & Figures

Introductory rate p.a. 5.24%

Introductory term 3 years

Interest rate (p.a.) 1 year 5.24%

Interest rate (p.a.) 2 years 5.24%

Interest rate (p.a.) 3 years 5.24%

Interest rate (p.a.) 4 years 5.90%

Interest rate (p.a.) 5 years 5.90%

Interest rate (p.a.) 7 years 5.90%

Interest rate (p.a.) 10 years 5.90%

Interest rate (p.a.) 15 years 5.90%

Comparison rate (p.a.) 1 year 6.10%

Comparison rate (p.a.) 2 years 6.77%

Comparison rate (p.a.) 3 years 6.77%

Comparison rate (p.a.) 4 years 6.77%

Comparison rate (p.a.) 5 years 6.77%

Comparison rate (p.a.) 7 years 6.77%

Comparison rate (p.a.) 10 years 6.77%

Comparison rate (p.a.) 15 years 6.77%

Minimum loan term -

Maximum loan term -

Min loan amount -

Max loan amount -

Early repayments -

Redraw facility No

Repayment holiday No

Ability to split loan Yes

Extra repayments Yes

Offset account available Yes

Interest only payments Yes

The ugly stuff: fees

Application fee $600

Valuation fee -

Subsequent valuation fee -

Valuation fee details -

Discharge fee -

Discharge fee details -

Legal fee -

Settlement fee -

Redraw fee -

Comparison Rate Disclaimer -

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Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Commonwealth Bank says

Our fixed rate loan gives you the certainty of the same regular repayment amount for a fixed period of time!

Key features

  • 3-year fixed rate home loan
  • $600 application fee
  • $96 annual fee
  • Offset account available
  • Split loan feature
  • Additional repayments permitted penalty free under $10,000 p.a.
  • Interest only payment options for up to 5-years
  • Minimum deposit of 5%


  • There is the option to lock the rate as the rate available at the time of application
  • Can choose to repay the loan weekly, fortnightly or monthly


  • No construction loan available
  • No redraw facility
Interested in this home loan?

We can pass your details on directly to a home loan expert from the bank, who will contact you within 24 hours to discuss your situation.


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We've partnered with Tomorrow Finance for home loan data, advice and details. You will be contacted within 24 hours by a home loan expert from the bank to discuss your situation. There is no obligation to complete the home loan. You are simply making an enquiry.

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