Commonwealth Bank (CBA) vs UBank home loan rates
4 shared loan types · as at 2 Nov 2026
Commonwealth Bank (CBA) is lower on 0 of 4 shared loan types, UBank on 2, and 2 are level. Each figure is that lender's lowest current standard rate for the loan type, as advertised and recorded by RateSonar as at 2 Nov 2026. It is not an offer.
| Loan type | Commonwealth Bank (CBA) | UBank | Gap |
|---|---|---|---|
| Owner-occupier variable | 6.39% Digi Home Loan (Owner Occupied), comparison 6.41% | 6.39% Neat - OO Variable P&I, comparison 6.41% | level |
| Owner-occupier 1-year fixed | 6.78% 1 Year Fixed Rate Home Loan (Owner Occupied), comparison 8.53% | 6.74% Flex - Fixed OO P&I, comparison 6.62% | UBank lower by 4 bps |
| Investor variable | 6.54% Digi Home Loan (Investment), comparison 6.56% | 6.54% Neat - INV Variable P&I, comparison 6.56% | level |
| Investor fixed (any term) | 6.84% 1 year Fixed Rate Home Loan (Investment), comparison 9.04% | 6.79% Flex - Fixed INV P&I, comparison 6.71% | UBank lower by 5 bps |
Each cell is the lender's lowest-rate current standard loan of that type, recorded on or before 2 Nov 2026. A lender can list more than one loan of a type; see all of them on Commonwealth Bank (CBA) and UBank. Home loan rate history: Commonwealth Bank (CBA) and UBank.A pair is shown only when both lenders list at least 4 of the same loan types.
| Loan types compared | 4 |
|---|---|
| Lower on more types | UBank |
| Commonwealth Bank (CBA): current standard loans | 16 |
| UBank: current standard loans | 11 |
| Commonwealth Bank (CBA): lowest standard rate, first to latest record | 6.14% on 14 Jun 2026, 6.39% on 28 Oct 2026 |
| UBank: lowest standard rate, first to latest record | 6.14% on 19 Jul 2026, 6.39% on 2 Nov 2026 |
| Rates as at | 2 Nov 2026 |
| Source | Lenders' public product data (Consumer Data Right) and lender websites, as recorded by RateSonar. |
| Assistant access | Connect an AI agent at https://api.ratesonar.com; the steps for each tool are at ratesonar.com/agents. No sign-up and no key. Series calls without a key return the last 31 days. |
Common questions
Who has the lower home loan rate, Commonwealth Bank (CBA) or UBank?
UBank is lower on more loan types. Commonwealth Bank (CBA) is lower on 0 of 4 shared loan types, UBank on 2, and 2 are level. For owner-occupier variable, Commonwealth Bank (CBA) is 6.39% and UBank is 6.39%.
Which loan types are compared?
Only types where both lenders have a current standard loan with a fresh record: owner-occupier variable, owner-occupier 1-year fixed, investor variable, investor fixed (any term). Not compared because only one lender lists them: owner-occupier 2-year fixed (Commonwealth Bank (CBA) only), owner-occupier 3-year fixed (Commonwealth Bank (CBA) only), owner-occupier 5-year fixed (Commonwealth Bank (CBA) only), owner-occupier interest-only (UBank only), investor interest-only (UBank only).
Is the lowest advertised rate the rate I would get?
Not necessarily. These are advertised rates. The rate a lender offers a borrower can depend on the loan size, the loan-to-value ratio, the property and a package. Check the rate and conditions with the lender. This is general information, not financial advice.
Does RateSonar take applications or earn from either lender?
No. RateSonar takes no applications, is not affiliated with any lender and has no sponsored rows.
More lender comparisons: Commonwealth Bank (CBA) vs Great Southern Bank, Great Southern Bank vs UBank. Or see every home loan.