Help & support
The RBA holds cash rate.
Eligible customers receive conditional approval in as little as 10 minutes when they apply online.
To find out if you're eligible for further interest rate reductions tailored to you, speak to your Home Lending Specialist or check when you apply online for a new loan.
Book an appointment with a Home Lending Specialist at a time and place that suits you, and gain access to local market and property insights with unlimited reports.
Make your money work harder by saving on interest and paying off your home loan sooner with multiple offsets7 with no set-up fee.
Follow your application through to settlement with Buy a home in the CommBank app.
Unlock fast contract reviews with Home-in, save on nbn and mobile plans with More and, if eligible, be rewarded as part of CommBank Yello, our customer recognition program.
CommBank is backing Aussies to sideline doubt. Hear how people across the country have left it behind, including CommBank Matildas star Mary Fowler who found her game, her voice, and her belief - even in setbacks.
Use your income and expenses to estimate how much you may be able to borrow for a home loan.
Estimate the other costs of buying a property, including government costs, stamp duty, and fees.
Find out what your home loan repayments could be, estimate how much you could borrow, refinance and more.
Standard Variable Rate home loan
Home buying support for business owners
Self-employed business owner? Achieve your property goals with the help of our lending specialists.
Everyday Offset
Small changes now can mean big differences later to how much of your home loan you end up repaying.
Knowing where to start can be the biggest hurdle. The right tools and support will get you moving with confidence.
Thinking about upsizing or a tree or sea change? Things may be a little different the second time around. We’ve got the tools and support to help you sell and get moving into your next home.
Talk to our specialists about financing your home loan and business banking needs together.
Digi Home Loan
A digital home loan with a low variable rate and access to one Everyday Offset account. Only available online.
Standard Variable Rate
A competitive variable rate home loan with discounts tailored to you, plus access to offset and an extensive range of features.
Simple Home Loan
A simple home loan with a competitive variable rate and the choice to access two offset accounts.
Get the most from your home loan application process and book time with a Home Lending Specialist at a time and place that suits you.
Start your home loan or refinance application online and if eligible receive a conditional approval in minutes.
$699 conveyancing**
Home-in’s experienced team and secure, award-winning app will help guide you through the conveyancing process. Built by CommBank and trusted by thousands of Australian home buyers, receive real-time status updates, six-hour contract reviews, and one of the industry’s best on-day settlement rates5. Plus, eligible CommBank customers can access $699 conveyancing with Home-in**.
$50 off every month on More nbn® plan for 3 years
Save on your internet bills for your home. If you’re pre-approved for a home loan of $250,000 or more and are ready to settle by 31 October 2025, you’ll get $50 off every month on a new More nbn® plan for 3 years.6
Unlock energy savings by electrifying your home. We work with our selected providers to make your transition an easy one.
Information, guides and tools to help you achieve your property dreams.
See what options are available to home loan customers needing financial assistance.
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.
To generate a Key Facts Sheet for our home loans, please visit our Repayments Calculator.
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1 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.
2 Rate/s apply to new lending only and may include a margin below or above the applicable reference rate. View current reference rates
3 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.
4 Contracts are reviewed within six business hours 95% of the time (October 2023). To ensure contracts are reviewed within six business hours, customers must upload the entire contract within the Home-in app.
5 We Money - Property Innovation of the Year Award (2024), Customer Service Excellence Award - Customer Service Organization of the Year: Small (2023), Finder Innovation Awards - Best Online Customer Service Innovation (2023).
Contracts are reviewed within six business hours 95% of the time (October 2023). To ensure contracts are reviewed within six business hours, customers must upload the entire contract within the Home-in app.
Home-in has one of the highest on-time settlement rates in the industry with 95% of Home-in customers settling on time in 2023.
6 Offer of $50 off per month the Recommended Retail Price (RRP) of a More nbn plan for three years is for customers with conditional pre-approval of an eligible CommBank home loan who then find a property and fund $250,000 or more between 1 November 2024 and 31 October 2025. This new nbn offer is available to proprietary originated applications only. To receive this offer, you must then sign up for a new More nbn plan using a CommBank credit or debit card as your online bill payment method. You may sign up to any More nbn plan. If you choose to do this, you will be entitled to a discount which is equal to $50 off per month the RRP of a More nbn plan throughout the three-year period, provided you continue to satisfy all ongoing eligibility requirements. Once you’re ready to settle your eligible home loan by 31 October 2025, you should receive your unique offer code within 14 days. Limit of one offer code per borrowing entity (e.g. individual, joint borrowers, company) and per customer. Limit of one offer code per joint application. All offer codes issued in connection with this offer are valid until 30 April 2026. For full terms and conditions visit https://www.commbank.com.au/latest/partnerships/50-off-more-nbn.html.
7 Multiple offsets only allowed with eligible Standard Variable Rate home loans.
8 You can link one Everyday Offset account to each eligible Digi Home Loan and up to two Everyday Offset accounts to each eligible Simple Home Loan. An offset feature fee will apply, see ‘Fees we charge for consumer mortgage lending products'.
** This offer is valid from 6 May 2025. To secure the offer you will need to engage the services of a Home-in partner law firm via the Home-in app on or after this date. If you engaged the services of a Home-in partner law firm via the Home-in app before this date, you are not eligible for this offer. This offer cannot be combined with other Home-in offers.
This offer is only available to CommBank customers who meet the following criteria:
(a) have an eligible CommBank transaction account: Smart Access, Complete Access, Everyday Offset, Pensioner Security (excluding Pensioner Security Passbook accounts) or Private Bank Account; and
(b) fund an eligible residential property purchase with a CommBank home loan; and
(c) settle this property purchase using the in-app legal services provided through Home-in.
This offer only applies to buy-side conveyancing services for residential property purchases in Australia. Home-in does not offer conveyancing services for the purchase of off-the-plan, rural/agricultural, retail or commercial properties, or properties with a purchase price in excess of $5,000,000. Additional fees apply to conveyancing services in respect of complex titles (such as old system, leasehold and company titles), which are excluded from this offer.
This offer is only available through CommBank’s proprietary channels, it is not available to customers that originate through Bankwest, Unloan or a broker channel.
If you settle on a property without meeting the eligibility criteria, this offer will not apply and you will be required to pay the standard list price for your conveyancing services. If you do not ultimately settle on a property purchase with Home-in within 6 months of your first contract review, any disbursements, contract review fees and ancillary service fees incurred will become payable to Home-in at the standard list price.
The $699 (including GST) offer includes the following conveyancing services: one standard contract review, reasonable negotiation with the vendor’s solicitor, preparation of documents and figures required for settlement and electronic or paper settlement for your property.
Disbursements are additional and charged at cost. For some property purchases, you may require or request additional services for which we charge a professional fee, such as expedited settlement or usage of a trust account.
Find out more about Home-in's pricing by visiting home-in.com.au/pricing. Home-in reserves the right to terminate the offer and change the pricing at any time.
Home-in is a brand of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 trading as Home-in Digital. CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 (Cth) and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia.
~ 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.
^ CommBank My Property won the 2019 ABA Winner for New Product Innovation in The Australian Brand Awards 2019.
# You can choose to pay Principal and Interest weekly, fortnightly, or monthly. Only monthly payments are available for Interest Only. The maximum Interest Only payment period over the life of a loan is 10 years for Investment Home Loans and 5 years for Owner Occupied Home Loans, so long as there is at least 5 years remaining on the Contracted Loan Term. 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 unless you choose to make additional repayments. At the end of an Interest Only period, your repayments will increase to cover Principal and Interest components.
Information provided (including interest rates) are subject to change.
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.
* 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 not a loan approval. 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.
^^ Redraw is dependent on having the required amount available in special repayments (additional repayments). You can redraw available funds for free when done via CommBank app or NetBank, however a redraw fee may be applicable if you ask us via phone or in branch to support you with accessing your additional repayments (waived until 30 June 2025).
## You can link one Everyday Offset account to each eligible Digi Home Loan. An offset feature fee will apply, see ‘Fees we charge for consumer mortgage lending products'.
