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 Up
Compare CommBank and Up home loans in March 2026. CommBank offers rates from 5.59% p.a. across 100 products, while Up starts at 5.45% p.a. with 6 products. Up currently has the lower rate by 0.14%.
VS
6 live products
Up
Best available rate
5.45%p.a.
Up Home Loan (Variable)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.45%
Offset
Included
Redraw
Included
Live edge
Up is lower on headline home loan rate by 0.14%, which is roughly $58 per month on a $500,000 loan.
0.14% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | CommBank | Up |
|---|---|---|
| Interest rate | 5.59% | 5.45% |
| Comparison rate | 5.72% | 5.45% |
| Offset account | Yes | Yes |
| Redraw | Yes | Yes |
All CommBank Products
Every tracked home loans option from CommBank.
All Up Products
Every tracked home loans option from Up.
CommBank's lowest variable rate is 5.59% p.a. (comparison rate 5.72%) while Up starts at 5.45% p.a. (comparison rate 5.45%). Up is 0.14% lower, which saves approximately $58/month on a $500,000 loan.
Key features: CommBank includes offset, CommBank includes redraw, Up includes offset, Up includes redraw.
Quick Comparison
| Feature | CommBank | Up |
|---|---|---|
| Interest Rate | 5.59% | 5.45% |
| Comparison Rate | 5.72% | 5.45% |
| Offset Account | Yes | Yes |
| Redraw Facility | Yes | Yes |
Common Questions
CommBank vs Up FAQs
Which bank has a lower home loan rate, CommBank or Up?
Up currently offers the lower variable rate at 5.45% p.a. compared to 5.59% p.a. Always check the comparison rate for a true cost picture.
Do CommBank and Up home loans have offset accounts?
CommBank offers an offset account. Up offers 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 Up's lowest home loan rate in 2026?
Up's lowest variable rate is 5.45% p.a. (comparison rate 5.45%) on the Up Home Loan (Variable).