Getting started 

Reasons you should build

There are a number of benefits to building your own home. 

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Steps to building a home

These steps will help you understand the process of building a new home. 

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A comprehensive guide to help you understand the process of building a new home, so you can be in control.

Download our Construction Loan Guide (PDF)

Work out your upfront costs

In addition to your deposit, there are some other costs like stamp duty to budget for. 

Calculate costs

upfront cost

Book a time with a Home Lending Specialist

Plan your build

Choosing a block of land

Buying land to build your new home is the first and most important step in the home building process.

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Buying off the plan

There are a few things you need to keep in mind when you're buying off the plan. 

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Costs of building

Understanding what costs are involved will help you plan and stick to your budget. 

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Avoid building mistakes

Avoid the most common building mistakes and turn your dream home into reality. 

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$2,000 cashback when you switch your home loan to us

The cashback is available on the following loans:

  • Owner occupied home loans
  • All investment loans

Apply by 31 December 2022 and have your loan funded by 31 March 2023. Minimum refinance amount $250,000. Not available for Bridging Loans. Limit of one $2,000 cashback per borrowing entity and per customer over a 12 month period.

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Couple reviewing home loan details

Things you should know

Subject to credit approval. Fees, charges, terms and conditions apply. 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.

Offer available on eligible home loans funded on and from 1 January 2020 (except for Owner Occupied Interest Only home loans, which are eligible if funded on and from 7 April 2020), where at least $250,000 has been refinanced from a financial institution other than Commonwealth Bank or Bankwest. Viridian lines of credit may be eligible as part of a multiple loan facility application if the total minimum refinance amount of $250,000 or more is met. Limit of one $2,000 cashback per borrowing entity (e.g. individual, joint borrowers, company) and per customer over a 12 month period. Limit of one $2,000 cashback per joint application. Where one of the joint applicants has received a cashback in the last 12 months, that customer will not qualify for the offer. Where all applicants have received a cashback in the past 12 months, the joint loan will not be eligible for the cashback. This offer cannot be combined with a Wealth Package fee waiver. Cashback will be credited to a Commonwealth Bank transaction account linked to the loan or the borrower/s within 90 days of loan funding (this could be a joint account with an unrelated party). We reserve the right to terminate the offer at any time. Applications subject to credit approval. Fees and charges may be payable. Full terms and conditions will be included in our loan offer.