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Just need a home loan?

Talk to a Home Lending Specialist about finding the right home loan for you.

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Looking for a home & business loan?

Talk to our specialists about financing your home and business loan together.

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Why CommBank?

Simple verification

Streamlined income verification process for self-employed business owners.

Same rates & benefits

You won't be charged a higher rate just because you're self-employed.

Dedicated support

Our specialists will guide you through every step of the process.

Flexible appointments

Talk to us over the phone or in person at a time and place that suits you.

Our simplified verification process

A simple application process for business owners with less documents to prove your income.

Get in touch with our Home Lending Specialists to discuss your options.

You may be eligible if:

  • You’re self-employed
  • You pay yourself a regular salary from your business

If eligible, you'll need:

  • Six months of salary credits in an account
  • Financial records showing profit and loss for the last two years, with a profit each year

In some instances, we may need more information. Our Home Lending Specialists will let you know.

Don't have these documents? Here are other options.

Rates & fees

  • 6.34 % PA
    Standard Variable Rate1
  • 6.72 % PA
    Comparison rate2
  • Get access to offsets and an extensive range of features

    1 Standard Variable interest rate (Owner Occupied) for new borrowings with a Loan to Value ratio of 60% or below with Wealth Package.3 Product discount margin on Standard Variable Rate loans may vary from time to time and is determined by CommBank based on the highest product discount margin on campaign offers between application assessment and time of loan contract. Minimum new borrowings of $10,000. Comparison rate warning

    Learn more

  • Fees

    Fees and charges are detailed in your letter of offer including:

    • A one-off establishment fee
    • A loan service fee


    Fees may be waived on eligible home loans with Wealth package.3

Frequently asked questions

If you don't have six months of salary credits, you may use one of the following:

  • Most recent Personal Tax Return and Notice of Assessment (NOA)
  • One payslip showing more than six months YTD income
  • One payslip showing less than six months YTD income and most recent PAYG payment summary statement, tax-ready income statement or tax return

If you don't have financial records showing profit and loss for the last two years, you'll need a letter from your accountant (on their company letterhead) confirming your business has:

  • Sufficient profits to meet business commitments
  • Traded profitably for the last two years

If you’re self-employed and not eligible for simple income verification, you'll need to provide extra documentation. This may include:

  • Standard ID
  • Personal tax returns from the last two years and your latest notice of assessment (NOA), or a letter from your accountant confirming that tax returns are final and have been lodged with the ATO
  • Business tax returns from the most recent year
  • Most recent business financial statements, showing profit and loss for the last two years

This list is a general guide. Talk to a Home Lending Specialist to find out what documents you’ll need.

Tools & support

How to refinance your home loan if you're a small business owner

Self employed or running a small business? Check out these six steps to help you refinance your home loan.

Message us 24/7

Get instant help from Ceba in the CommBank app or connect with a specialist who can message you back. You’ll need CommBank app notifications turned on so you know when you’ve received a reply. 

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Things you should know

  • This information is current as at 11 October 2024 and is for general information purposes only. It has been prepared without considering your objectives, financial situation or needs. You should consider the appropriateness of this information to your circumstances before acting on it.

    2 Comparison rate calculated on a $150,000 secured loan over a 25-year term. WARNING: Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for variable Interest Only loans are based on an initial 5-year Interest Only period. Comparison rates for fixed or guaranteed Interest Only loans are based on an initial Interest Only period equal in length to the fixed or guaranteed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

    3 To apply for a Wealth Package, you must have an eligible home loan or line of credit with an initial package lending balance of at least $150,000 at the time of your application. Package lending balance is the sum of the account balance of eligible home lending accounts and the credit limit of Viridian Line of Credit accounts that you have with us at the time you apply for Wealth Package. Eligible home loans include: Standard Variable Rate home loan, Fixed Rate home loans and Viridian Line of Credit. A non-refundable annual fee of $395 is payable in advance. The package can be established in the name of one or two individual’s name/s, or in the name of a corporate entity. It cannot be established in the name of a business or family investment trust. Please refer to the Wealth Package Fact Sheet and Package Terms and Conditions for full details.

    Calculations are estimates provided as a guide only and are not a loan approval. They assume interest rates don’t change over the life of the loan and are calculated on the rate that applies for the initial period of the loan. Interest rates referenced are current rates and may change at any time. Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as establishment or monthly service fees or stamp duty). Lenders' Mortgage Insurance or a Low Deposit Premium may apply to your loan depending on the size of your deposit, security, applicant and loan attributes. This is a one-off cost and will be added to the loan amount. Any of these additional amounts will increase repayments under the loan.

    Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Conditions apply to all loan options. Full terms and conditions will be set out in our loan offer, if an offer is made. Fees and charges are payable. Interest rates are subject to change. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. You should also read our Financial Services Guide.