RBA holds cash rate

Why choose CommBank?

Competitive rates & discounts

Get a competitive interest rate tailored to you – giving you the best deal for your situation, including special discounts and other benefits with a Wealth Package.1

Make informed property decisions with the Home Hub

Get access to all the tools and guidance you need in one place in Home Hub within the CommBank app. 

Get support from an expert every step of the way

Make confident decisions with the support of our Home Lending Specialists. Book an appointment to meet at a time and place that suits you. 

 

Australia’s most flexible home loan

Adapt your home loan to suit your needs by changing your repayment date, amount or frequency online, or by easily fixing, splitting or changing your loan type.

Pay less on your home loan with multiple offsets 

Make your money work harder by saving on interest and paying off your home loan sooner with multiple offsets with no set-up fee.

Get discounts and offers for being a customer 

As part of CommBank Yello, our customer recognition program, you could receive benefits including prize draws, cashbacks and other discounts. Plus access fast conveyancing contract reviews with Home-in, savings on nbn® and mobile plans with More and other exclusive offers.

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.

    Calculate now

  • Home loan repayments calculator

    Work out how much your home loan repayments might be.

    Calculate now

  • Stamp duty calculator

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

    Calculate now

  • Calculators & tools

    Find out what your home loan repayments could be, estimate how much you could borrow, refinance and more.

    See our calculators & tools

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.

Buying your first home

Knowing where to start can be the biggest hurdle. The right tools and support will get you moving with a little more confidence.

Everyday Offset

Having an offset account linked to your home loan could help you pay less interest over time.

Ways to pay off your home loan faster

Small changes now can mean big differences later to how much of your home loan you end up repaying.

Find out how

Choose a home loan that’s right for you

My loan is for

Estimated Property Value    

I want to

Loan Amount

Does not meet minimum loan amount
Does not meet minimum loan amount
Borrowing amount cannot be greater than 95% of property value

I'll pay back

Loan to Value Ratio (LVR) does not impact Fixed Rate.

All other rates have been updated in line with your #_LVR_VALUE_#% LVR. Your rates could improve with a lower LVR.

Show Wealth Package on Standard Variable Rate and Fixed Rate products

Enjoy discounts on eligible home loans and a fee waiver on one eligible credit card per package, in exchange for an annual fee.

Wealth Package rates require a minimum initial package lending balance of $150,000.

Standard Variable Rate

A variable rate with discounts tailored to you, plus access to offset and an extensive range of features.2

Tell me more

Interest Rate^

p.a.

Repayments

1 Year Interest Only Payments

$

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only.

This payment is only for an interest only period.# Use the repayments calculator to see what your repayments may be after your interest only period, based on current rates which may change.

View rates by updating
Loan amount
Minimum loan amount $10,000

Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount or uncheck Wealth Package

Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount or uncheck Wealth Package

View rates by updating
Estimated property value
and/or Loan amount

View rates by updating
Estimated property value
and/or Loan amount

Owner occupied Interest Only rates are only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Owner occupied Interest Only rates are only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Investment Interest Only rates are only available for LVR’s lower than 90%.
Update Estimated property value and/or Loan amount

Investment Interest Only rates are only available for LVR’s lower than 90%.
Update Estimated property value and/or Loan amount

What you'll get

What you'll get

  • Link multiple offsets
  • Unlimited additional repayments
  • Unlimited redraws
  • Access features like top ups
  • Option to split loan
  • Eligible for interest rate reductions

Trade-offs

  • Not protected from interest rate increases

Trade-offs

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • Additional fees may apply

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • Additional fees may apply

Extra Home Loan

A home loan with a variable interest rate and low fees.2

Tell me more

Interest Rate^

p.a.

Repayments

1 Year Interest Only Payments

$

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only.

This payment is only for an interest only period.# Use the repayments calculator to see what your repayments may be after your interest only period, based on current rates which may change.

View rates by updating
Loan amount
Minimum loan amount $10,000

View rates by updating
Estimated property value
and/or Loan amount

View rates by updating
Estimated property value
and/or Loan amount

Owner occupied Interest Only rates are only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Owner occupied Interest Only rates are only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Investment Interest Only rates are only available for LVR’s lower than 90%.
Update Estimated property value and/or Loan amount

Investment Interest Only rates are only available for LVR’s lower than 90%.
Update Estimated property value and/or Loan amount

What you'll get

  • A simple variable rate with low fees without the need for a Wealth Package
  • Unlimited additional repayments
  • Unlimited redraws
  • Access features like top ups
  • Option to split loan
  • Eligible for interest rate reductions

Trade-offs

  • No offset account
  • No Wealth Package 
  • Not protected from interest rate increases
  • Not available to company or trust borrowers

Trade-offs

  • No offset account
  • No Wealth Package 
  • Not protected from interest rate increases
  • Not available to company or trust borrowers

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • Additional fees may apply

View rates by updating
Estimated property value
and/or Loan amount

Fixed Rate

Always know what your repayments will be with a locked-in rate.3

Tell me more

Interest Rate^

p.a.

Repayments

Interest Only Payments

$

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only.

This payment amount assumes the Interest Only and Fixed Rate periods align.# Use the repayments calculator to see what your repayments may be after your interest only period, based on current rates which may change.

View rates by updating
Loan amount
Minimum loan amount $10,000

Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount or uncheck Wealth Package

Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount or uncheck Wealth Package

View rates by updating
Estimated property value
and/or Loan amount

View rates by updating
Estimated property value
and/or Loan amount

Owner occupied Interest Only rates are only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Owner occupied Interest Only rates are only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Investment Interest Only rates are only available for LVR’s lower than 90%.
Update Estimated property value and/or Loan amount

Investment Interest Only rates are only available for LVR’s lower than 90%.
Update Estimated property value and/or Loan amount

What you’ll get

What you'll get

  • Protected from interest rate increases during fixed term
  • Option to lock in the reference interest rate with the Rate Lock feature at a fee of $750 – learn more about Rate Lock
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan (ERA may apply)

Trade-offs 

  • No offset account
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Trade-offs

  • No offset account
  • No Wealth Package selected
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • $750 fee applies if you rate lock~
  • Early Repayment Adjustment and Administrative Fee may apply if additional repayments are over $10k in a fixed year,  switching or breaking your loan during fixed term
  • Additional fees may apply

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • $750 fee applies if you ratelock~ – learn more about rate lock
  • Early Repayment Adjustment and Administrative Fee may apply if  switching or breaking your loan
  • Additional fees may apply

Digi Home Loan

A digital home loan with a low variable rate. Only available online and for customers refinancing their home loan from another financial institution.

Tell me more

Interest Rate^

p.a.

Repayments

1 Year Interest Only Payments

$

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only.

This payment is only for an interest only period.# Use the repayments calculator to see what your repayments may be after your interest only period, based on current rates which may change.

View rates by updating
Loan amount.
Minimum loan amount $100,000

Digi Home Loan is only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Digi Home Loan is only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

View rates by updating
Estimated property value
and/or Loan amount

View rates by updating
Estimated property value
and/or Loan amount

What you'll get

  • A low variable rate 
  • Monthly cashback for eligible CommBank Yello customers 
  • Unlimited additional repayments
  • Unlimited redraws
  • Eligible for interest rate reductions

Trade-offs

  • No offset account
  • No Wealth Package
  • Not protected from interest rate increases
  • Not available to company or trust borrowers
  • Fees may apply for phone or in branch support for some transactions

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee (monthly cashback for eligible CommBank Yello customers)
  • Additional fees may apply

^Available for new borrowings only.

Start your home buying journey with us today

  • Book time with a lender instantly

    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.

    Book now

  • Apply for a home loan, conditional pre-approval or refinance 

    Start your home loan or refinance application online and if eligible receive a conditional approval in minutes.

    Apply online

$500 off expert conveyancing with your CommBank home loan

From reviewing the contract to collecting your keys, Home-in’s experienced team and secure, award-winning app will help guide you through every part of the conveyancing process. Built by CommBank and trusted by thousands of Australian home buyers, receive real-time status updates, support on evenings and weekends, six-hour contract reviews4, and one of the industry’s best on-day settlement rates5.

Access exclusive offer

See all home loan interest rates

CommBank Green Loan

Get the tools to save on energy. Switch to solar with a CommBank Green Loan. The CommBank Green Loan is a 10-year secured fixed rate loan designed for existing, eligible home loan customers to buy and install clean energy products such as solar panels, battery packs and solar hot water systems.

Read more about CommBank Green Loan

How-to guides & tips

  • Information, guides and tools to help you achieve your property dreams.

    Take me there

Home loan support

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. 

Message us

Get help
  • Get the home loans Key Facts Sheet

  • To generate a Key Facts Sheet for our home loans, please visit our Repayments Calculator.

    Get Key Facts Sheet