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 UBank
Compare CommBank and UBank home loans in March 2026. CommBank offers rates from 5.59% p.a. across 100 products, while UBank starts at 5.59% p.a. with 61 products.
Bank Two
VS
61 live products
UBank
Best available rate
5.59%p.a.
Neat - Oo Variable P&i
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.61%
Offset
Not included
Redraw
Included
Live edge
UBank 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 | UBank |
|---|---|---|
| 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 UBank Products
Every tracked home loans option from UBank.
CommBank's lowest variable rate is 5.59% p.a. (comparison rate 5.72%) while UBank starts at 5.59% p.a. (comparison rate 5.61%).
Key features: CommBank includes offset, CommBank includes redraw, UBank includes redraw.
Quick Comparison
| Feature | CommBank | UBank |
|---|---|---|
| Interest Rate | 5.59% | 5.59% |
| Comparison Rate | 5.72% | 5.61% |
| Offset Account | Yes | No |
| Redraw Facility | Yes | Yes |
Common Questions
CommBank vs UBank FAQs
Which bank has a lower home loan rate, CommBank or UBank?
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 UBank home loans have offset accounts?
CommBank offers an offset account. UBank 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 UBank's lowest home loan rate in 2026?
UBank's lowest variable rate is 5.59% p.a. (comparison rate 5.61%) on the Neat - Oo Variable P&i.