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
Finding the best rates…
Home Loans Comparison
Bank One
CommBank
Best available
From 5.59% p.a.
Line-up
100 live products
VS
CommBank vs Macquarie
Compare CommBank and Macquarie home loans in March 2026. CommBank offers rates from 5.59% p.a. across 100 products, while Macquarie starts at 5.59% p.a. with 130 products.
VS
130 live products
Macquarie
Best available rate
5.59%p.a.
Macquarie Basic Home Loan (Variable)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.61%
Offset
Not included
Redraw
Included
Live edge
Macquarie is lower on headline home loan rate by 0.00%, which is roughly $0 per month on a $500,000 loan.
0.00% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | CommBank | Macquarie |
|---|---|---|
| Interest rate | 5.59% | 5.59% |
| Comparison rate | 5.72% | 5.61% |
| Offset account | Yes | No |
| Redraw | Yes | Yes |
All CommBank Products
Every tracked home loans option from CommBank.
All Macquarie Products
Every tracked home loans option from Macquarie.
CommBank's lowest variable rate is 5.59% p.a. (comparison rate 5.72%) while Macquarie starts at 5.59% p.a. (comparison rate 5.61%).
Key features: CommBank includes offset, CommBank includes redraw, Macquarie includes redraw.
Quick Comparison
| Feature | CommBank | Macquarie |
|---|---|---|
| Interest Rate | 5.59% | 5.59% |
| Comparison Rate | 5.72% | 5.61% |
| Offset Account | Yes | No |
| Redraw Facility | Yes | Yes |
Common Questions
CommBank vs Macquarie FAQs
Which bank has a lower home loan rate, CommBank or Macquarie?
CommBank currently offers the lower variable rate at 5.59% p.a. compared to 5.59% p.a. Always check the comparison rate for a true cost picture.
Do CommBank and Macquarie home loans have offset accounts?
CommBank offers an offset account. Macquarie does not include an offset account.
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).
What is Macquarie's lowest home loan rate in 2026?
Macquarie's lowest variable rate is 5.59% p.a. (comparison rate 5.61%) on the Macquarie Basic Home Loan (Variable).