Why choose CommBank?

Get a discount on your home loan

Take advantage of special discounts on loans, credit cards, everyday offset and insurance.

See how

Flexible home loan options

We’ve got flexible home loan options to suit your changing lifestyle.

Compare our home loans

Buy with confidence

Get guidance from start to finish on your home buying journey with the support of one of our expert lenders.

Take an expert with you

Our popular home loans

Fixed Rate

Enjoy the certainty of knowing exactly what your monthly repayment will be. Fix your repayment for periods of 1 to 5, or 7 years and choose from our fixed rate loan options to help you plan your finances.

2 Year Fixed Package Rate1 (owner occupied)

Interest rate
3.89% p.a.

Comparison rate
4.97% p.a.

2 Year Fixed Package Rate1 (investment)

Interest rate
4.09% p.a.

Comparison rate
5.46% p.a.

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Extra Home Loan

Get a great rate on our simple and easy variable home loan. Save on interest with an introductory rate or an ongoing discount for the life of the loan.

Extra Home Loan 2-Year Introductory discount2 (owner occupied)

Interest rate
3.69% p.a.

Comparison rate
4.24% p.a.

Extra Home Loan 2-Year Introductory discount2 (investment)

Interest rate
3.99% p.a.

Comparison rate
4.58% p.a.

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Standard Variable Rate

With a variety of features and a competitive variable rate, you’ll enjoy the flexibility of our Standard Variable Rate home loan or Investment home loan. Great discounts available with our Wealth Package.

Standard Variable Rate (owner occupied)

Interest rate
5.22% p.a.

Comparison rate
5.36% p.a.

Standard Variable Rate (investment)

Interest rate
5.80% p.a.

Comparison rate
5.94% p.a.

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The home loan rates shown above are interest rates for Principal and Interest repayments.3

Comparison rate warning

What will my repayments be

Home. Made with an Extra Home Loan.

For a limited time, you can now enjoy a great new 2 year introductory rate on our Extra Home Loan.2

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image of a house

Compare home loans and view rates

Get a discounted rate and save on fees with a Home Loan Package

Enjoy special discounts on loans, credit cards, everyday banking and insurance with our Wealth Package.4

  • $395 annual package fee
  • $0 upfront establishment fee
  • $0 monthly loan service fee
  • Save up to 0.70% p.a. on Standard Variable Rates and Viridian Line of Credit
  • Save 0.15% p.a. on Fixed Rates

Available on a range of fixed and standard variable rate home loans and Lines of Credit. Requires an initial total home lending of at least $150,000 with us.

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Other home loans

Viridian Line of Credit

Use the equity in your home to build your wealth, renovate, or even take a holiday.

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Equity Unlock Loan for Seniors

A Reverse Mortgage lets you use the equity in your home to make retirement a little more comfortable without selling your home.

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Interest offset

Offset the funds in your linked accounts against the balance of your home loan, to potentially save thousands in interest and cut years off the term of your home loan.

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Credit card with no annual fee

With the Wealth Package, you could save up to $349 per year by paying no annual fee for the Diamond Awards Credit Card.

No Wealth Package? You’ll pay no annual fee for the first year if you apply for a credit card and home loan at the same time.5

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Home loan calculators

How much can I borrow?

Use your income and expenses to estimate how much you may be able to borrow for a home loan.


Home loan repayments calculator

Work out how much your home loan repayments might be.


Upfront cost calculator

Estimate the other costs of buying a property, including government costs, stamp duty, and fees.


Manage your home loan

Things you should know

1 At 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.

2 Extra Home Loan - introductory rate provides a discounted margin off the Extra Home Loan reference rate available at the time loan documents are issued. At the end of the introductory rate period, a reduced discount applies for the remaining life of the loan which will result in the interest rate and repayments increasing at that time. As at 18 July 2018 the Extra Home Loan reference rate for Owner Occupied home loans is 4.45 % p.a. and the Extra Home Loan reference rate for Investment home loans is 4.80 % p.a.

The rates shown are interest rates for Principal and Interest repayments. For all our rates including interest rates for Interest Only payments view our Home Loan Interest Rates

4 To be eligible for Wealth Package, you must have a current eligible home loan or line of credit with an initial package lending balance of at least $150,000 when you apply for Wealth Package. 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. Customers with Low Documentation loans are not eligible to apply for Wealth package.

5 The primary credit card holder must be the same as the package holder for this benefit to apply. 

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 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.

Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. 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.