145 live products
BankSA
Best available rate
5.79%p.a.
Basic Variable Home Loan
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.80%
Offset
Not included
Redraw
Included
Finding the best rates…
Home Loans Comparison
Bank One
BankSA
Best available
From 5.79% p.a.
Line-up
145 live products
VS
BankSA vs CommBank
Compare BankSA and CommBank home loans in March 2026. BankSA offers rates from 5.79% p.a. across 145 products, while CommBank starts at 5.59% p.a. with 100 products. CommBank currently has the lower rate by 0.20%.
VS
100 live products
CommBank
Best available rate
5.59%p.a.
Digi Home Loan (Owner Occupied) (Variable)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.72%
Offset
Included
Redraw
Included
Live edge
CommBank is lower on headline home loan rate by 0.20%, which is roughly $83 per month on a $500,000 loan.
0.20% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | BankSA | CommBank |
|---|---|---|
| Interest rate | 5.79% | 5.59% |
| Comparison rate | 5.80% | 5.72% |
| Offset account | No | Yes |
| Redraw | Yes | Yes |
All BankSA Products
Every tracked home loans option from BankSA.
All CommBank Products
Every tracked home loans option from CommBank.
BankSA's lowest variable rate is 5.79% p.a. (comparison rate 5.80%) while CommBank starts at 5.59% p.a. (comparison rate 5.72%). CommBank is 0.20% lower, which saves approximately $83/month on a $500,000 loan.
Key features: BankSA includes redraw, CommBank includes offset, CommBank includes redraw.
Quick Comparison
| Feature | BankSA | CommBank |
|---|---|---|
| Interest Rate | 5.79% | 5.59% |
| Comparison Rate | 5.80% | 5.72% |
| Offset Account | No | Yes |
| Redraw Facility | Yes | Yes |
Common Questions
BankSA vs CommBank FAQs
Which bank has a lower home loan rate, BankSA or CommBank?
CommBank currently offers the lower variable rate at 5.59% p.a. compared to 5.79% p.a. Always check the comparison rate for a true cost picture.
Do BankSA and CommBank home loans have offset accounts?
BankSA does not include an offset account. CommBank offers an offset account.
What is BankSA's lowest home loan rate in 2026?
BankSA's lowest variable rate is 5.79% p.a. (comparison rate 5.80%) on the Basic Variable Home Loan.
What is CommBank's lowest home loan rate in 2026?
CommBank's lowest variable rate is 5.59% p.a. (comparison rate 5.72%) on the Digi Home Loan (Owner Occupied) (Variable).