D · about $5,250 a year more than you need to pay
You're paying 0.70% more than the lowest rate in the market.
Rates checked 25 September 2026
You're paying 6.59% (rate + fee), graded against the market.
No data
We don't have CommBank's new-customer rates yet
$5,250
Roughly per year vs the market's lowest (Bendigo Bank)
$97,300
Extra interest over the rest of the loan vs the market's lowest
Your deposit band
You owe 79.0% of the property value, so you sit in the 70% to 80% band.
Pay $85,000 off, or a valuation of $1,071,000 or more, drops you under 70%. At CommBank that band is 6.12%, about $3,520 a year less.
Keep track
We'll re-grade your loan every 30 days and email you if it changes.
My home loan scored a D. Check yours.
Rates checked 25 September 2026 from each lender's published product data or rate card. General information only, not credit advice. Your lender may offer a rate different from its advertised rate.
Australians have found $10,500 a year in overpaid interest on Rate My Mortgage. 2 loans graded so far.