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Last updated: 9 November 2026
CommBank home loans include a range of variable rate loans, fixed rate loans, offset account options and digital application pathways for owner-occupiers, investors, refinancers and first home buyers.
A home loan Australians choose. 1 in 5 customers choose CommBank for their home loan.20
Get into your first home sooner. Over 5x low-deposit options designed to help first home buyers enter the market faster.21
Expert help, wherever you are. Get guidance from one of over 1,400 Home Lending Specialists across Australia.22
Helping more first home buyers succeed. Supporting more than 80,000 first home buyers into home ownership.23
Apply for conditional pre-approval and submit online in as little as 10 minutes. A home lending specialist will call to assess the application and if eligible, you could receive pre-approval within 1 day.
Compare interest rates, features and benefits to help choose the right home loan for you.
Digi Home Loan
A digital home loan with a low variable rate and access to one Everyday Offset account. Only available online.
What you'll get
+Digi Home Loan (Owner Occupied Principal and Interest) for new borrowings with a Loan to Value ratio of 60% of less. Minimum new borrowings of $100,000.
Comparison rate warning.
Simple Home Loan
A simple home loan with a competitive variable rate and the choice to access two Everyday Offset accounts.
What you'll get
#Simple Home Loan (Owner Occupied Principal and Interest) for new borrowings with a Loan to Value ratio of 60% of less. Minimum new borrowings of $10,000.
Comparison rate warning.
ONLINE OFFER
Apply online and get at least 0.10% p.a. off the advertised rate^^ on eligible Simple home loans with a minimum loan balance of $150,000.
Standard Variable Rate Home Loan
A competitive variable rate home loan with discounts tailored to you, plus access to offset and an extensive range of features.
What you'll get
++Standard Variable Rate Home Loan (Owner Occupied Principal and Interest) for new borrowings with a Loan to Value ratio of 60% of less. Minimum new borrowings of $10,000.
Comparison rate warning.
ONLINE OFFER
Apply online and get at least 0.10% p.a. off the advertised rate^^ on eligible Standard Variable Rate home loans with a minimum loan balance of $150,000.
Fixed Rate Home Loan
Enjoy the peace of mind with a fixed rate home loan4 and have set repayments to help make budgeting easier.
What you'll get
## 1 Year Fixed Rate Home Loan (Owner Occupied Principal and Interest) for new borrowings. Minimum new borrowings of $10,000.
Comparison rate warning.
We'll ask you a few questions so we can help you find a home loan
Estimate how much you may be able to borrow based on your income and expenses.
Estimate your home loan repayments based on your loan amount and interest rate.
Estimate stamp duty, government charges and other upfront buying costs.
Estimate how much you could potentially save by refinancing your home loan.
Find out any changes (increase or decrease) to our home loan reference interest rates.
See changes to our home loan reference interest rates.
To generate a Key Facts Sheet for our home loans, please visit our Repayments Calculator.
Get Key Facts Sheet
How much you may be able to borrow depends on factors such as your income, expenses, existing debts and financial commitments. You can use our borrowing power calculator to get an estimate of how much you could borrow and what your property budget could look like.
The deposit you’ll need can depend on the property you’re buying and your circumstances. While a 20% deposit can help you avoid some additional costs, there may be alternate low depoisit home loan options available if you have a smaller deposit, including support for eligible first home buyers.
We have a range of home loan offers that may be available when you buy, refinance or invest with CommBank. Offers and eligibility can change, so check out our latest home loan offers to see what’s currently available. Check latest offers.
Fixed and variable home loans work differently. A fixed rate can give you more certainty over your repayments for a set period, while a variable rate can give you greater flexibility and access to features depending on the loan. You can also consider splitting your loan between fixed and variable portions.
Conditional pre-approval gives you an indication of how much you may be eligible to borrow, so you can search for a property with a clearer budget in mind. With CommBank, you can start your application online, and if eligible, you could receive conditional pre-approval within 1 day. If approved, conditional pre-approval is valid for 90 days. Learn more.
Yes. Refinancing means replacing your existing home loan with a new one and can be an opportunity to review your interest rate, repayments or loan features. Before switching, it’s worth considering the potential savings alongside any costs involved.
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Book instantly to speak to a Home Loan Specialist at a time that suits you.
Redraw, change your repayments or loan type to better meet your needs and more.
Fast-track your call, see expected wait times and connect with a specialist in the CommBank app.
Get instant help from our virtual assistant or chat to a specialist.
Please refer to our Home Loan Guides for details regarding our loans. The reference rate for your loan will depend on the repayment type you select – Principal and Interest or Interest Only. Interest Only period switches and extensions can be requested in both years and/or months via selected processes. The reference rate applicable for an Interest Only period applied in years and/or months will be the same as the Interest Only reference rate applicable to your loan type. Talk to your lender for more information. See rates for products no longer offered (PDF)
1Redraw is dependent on having the required amount available in additional repayments. You can redraw available funds for free when done via CommBank app or NetBank.
2Wealth Package benefits apply to eligible home loans or line of credits, including any new Standard Variable Rate and Fixed Rate home loans originated on and from 14 March 2026. 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 applicable product guide and Consumer Mortgage Lending Products Terms and Conditions for full details.
3If you're a CommBank Yello Gold or Diamond customer, you could earn annual CommBank Yello points on your CommBank Standard Variable Rate or Fixed Rate home loan (Eligible Loan).
Your Eligible Loan must receive Package benefits under the Consumer Mortgage Lending Products Terms and Conditions. CommBank Yello points are earned once per Package per year, regardless of how many Eligible Loans are linked to that Package. Ongoing eligibility criteria applies for CommBank Yello, for full terms and conditions and information on benefits, see commbank.com.au/commbankyello.
4At the end of the fixed rate period, the interest rate converts to the applicable Standard Variable Rate relevant to your loan purpose and repayment type at that time, less any applicable package discount specified in your Loan Contract.
~We charge the Rate Lock Fee when we process your request. It is therefore important that you have sufficient funds in your nominated account. The Rate Lock feature only applies to new Fixed Rate home loan and Fixed Rate Investment home loan applications. Rate Lock does not apply to Home Seekers, switching, splitting, top-ups, loan purpose transfers or repayment changes.
Information provided (including interest rates) are subject to change.
^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 Interest Only loans are based on an initial Interest Only period equal in length to the fixed 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.
Calculations are estimates provided as a guide only. 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.
We have different rates that apply, depending on whether you are making interest only payments or principal and interest repayments. During an interest only period, your interest only payments won't reduce your loan balance. At the end of an interest only period, your repayments will increase to cover principal and interest components.
Rates are subject to change. Applications are subject to normal credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable.
^^Discount applies to advertised rates and may differ from pricing available through other channels. Discount margin offers are subject to change. Terms, conditions, fees, charges, lending and eligibility criteria apply. Offer is available for new lending over $150,000 for Standard Variable Rate and Simple Home Loan when you apply online. Rates are subject to change and the discount margin offer may be withdrawn at any time.
20Figure based on CommBank’s 20.54% Australian Prudential Regulation Authority (APRA) market share as of June 2026 (includes Unloan; excludes RMG).
21Includes Australian Government 5% Deposit Scheme, Australian Government Help to Buy Scheme, Lenders Mortgage Insurance (LMI), Low Deposit Premium (LDP), and Guarantor Support.
22Data reflects CommBank branch, mobile and direct Home Lending Specialists in Australia as of 30/06/2026. Excludes Premier Banking, Business Home Lending and Private Banking specialists.
23Data represents home ownership through Australian Government 5% Deposit Scheme backbook as at 30/06/2026.
