Variable
Wealth Package Variable
- 100% offset
- Unlimited extra repayments
- Redraw
- Linked credit card
Mainstream variable with full offset, included in the Wealth Package
Current rate: published on CBA's own rate card
Major bank
Commonwealth Bank of Australia
SydneyFounded 1911ACL/Banking Licence 234945
Strengths
- Comprehensive product range across home, car, business and personal
- Strong digital app, NetBank online banking
- Branch network unmatched among the majors
- Wealth Package bundling discount across linked products
Watch out for
- Headline rates rarely the cheapest; competitiveness depends on package and discount tier
- Annual fees on premium packages of $395 to $400
CBA products
Editorial reference covering the product range CBA offers and the structural strengths and trade-offs we observe in the market. The current headline rate and comparison rate sit on CBA\'s own rate card; we do not reproduce them here.
Home loans
Fixed 2yr
Fixed Rate 2 Years
- Fixed certainty
- Limited extra repayments during fixed term
Current rate: published on CBA's own rate card
Fixed 3yr
Fixed Rate 3 Years
- Longer-term fixed certainty
Current rate: published on CBA's own rate card
Car loans
Secured (new vehicle)
Personal Loan Secured (New Vehicle)
- Fixed rate
- Secured against vehicle on PPSR
Current rate: published on CBA's own rate card
Personal loans
Unsecured
Personal Loan Unsecured
- Fixed rate
- No security required
- Loan terms 1-7 years
Current rate: published on CBA's own rate card
Our CBA coverage
- CBA review: the independent read
Who they suit, who should look elsewhere, and the verdict.
- CBA home loans: the deep dive
Wealth Package variable, fixed terms 1 to 5 years, investor and construction lending. What CBA offers, where it competes, and how to read the rate card.
- CBA personal loans: the deep dive
Unsecured fixed-rate term loan up to $50,000, secured car loan, fixed monthly repayments. Where CBA sits in the personal loan market and when it is the right pick.
- CBA equipment finance: the deep dive
Australia's biggest bank writes vehicle and equipment finance with a heavy digital tilt: fast decisions for existing business customers and discounted pricing pushes on energy-efficient assets. Where CBA is sharp, and where it is not.
- CBA vs Westpac home loan: which Big 4 lender in 2026
Australia's two largest mortgage lenders side-by-side. Package discount maths, branch and digital experience, credit policy nuances, and which Big 4 wins for which file in 2026.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
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The Commonwealth Bank of Australia rates above are publisher reference. The right product for your situation depends on income, deposit, credit profile, security and serviceability, and that comparison is what a broker does.
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