Help & support
*Digi Home Loan (Owner Occupied Principal & Interest) for new borrowings with a Loan to Value ratio of 60% or less when compared to CommBank’s other advertised loan rates. Minimum new borrowings of $100,000. Comparison rate warning.
Exclusive Qantas Points offer for eligible new loans+
Unlimited additional repayments and the option to link one Everyday Offset account5 to help you save on interest.
Get up to $1,320 cashback from CommBank Yello2 over the first five years of your loan
Ability to redraw1
Fast online application – complete in as little as 10 minutes.
Fast approvals for purchasing a property or to refinance.
It takes as little as 10 mins to complete your application.
Select Digi Home Loan if this is your preferred loan product. The Qantas Points offer is available for new Digi Home Loans of $300,000 or more, with a Loan to Valuation Ration (LVR) of 80% or less+.
Submit by 30 November 2025 to be eligible for the Qantas Points offer+.
Once submitted online, a specialist will reach out to finalise your application.
Find your property and settle your loan by 31 May 2026. You must link your Qantas Frequent Flyer membership number to be eligible for the Qantas Points offer.+
Your Qantas Points will be credited to your Qantas Frequent Flyer account within 30 days of settlement+.
Where could your Qantas Points take you?
Return Business for one
87, 200 Qantas Points
+
$273 in taxes, fees and carrier chargers##
Return Economy for two
192, 800 Qantas Points
+
$764 in taxes, fees and carrier charges##
Return Economy for four
289, 600 Qantas Points
+
$1,224 in taxes, fees and carrier charges##
Not a Qantas Frequent Flyer member yet?
To earn Qantas Points with a Digi Home Loan, you’ll need to be a Qantas Frequent Flyer member. Join for free today, or during your application.
After you submit your application, you can track the progress of in the CommBank app by searching for ‘Buy a home’.
Estimated Property Value
Loan to Value Ratio (LVR) doesn’t impact interest rates for Fixed Rate home loans
All other rates have been updated in line with your #_LVR_VALUE_#% LVR and 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.
Interest rate
Comparison rate
5.34% p.a.
5.47% p.a.
5.37% p.a.
5.50% p.a.
5.39% p.a.
5.52% p.a.
The rates shown are for Principal and Interest repayments.4
Rates effective from 22 August 2025.
Interest rate
Comparison rate
5.44% p.a.
5.57% p.a.
5.49% p.a.
5.62% p.a.
5.54% p.a.
5.67% p.a.
The rates shown are for Principal and Interest repayments.4
Rates effective from 22 August 2025.
Get $10 monthly cashback on Loan Service Fees (up to $120 annually), if you’re an eligible CommBank Yello customer.2
Plus, you could earn up to $30 monthly in loyalty cash rewards, depending on your loan amount, and how long you’ve had your loan.
Not only does conditional pre-approval show sellers that you’re serious, it can also help to be well progressed with your finance journey so you can focus on finding your ideal property.
Ready to renew your conditional pre-approval? See how below:
Register your Qantas Frequent Flyer number and the last name attached to your Qantas Frequent Flyer account during the CommBank Digi Home Loan application or after submission via the CommBank Digi Home Loan App Tracker. The Qantas Frequent Flyer membership number must be added to the loan application prior to settlement, to be eligible for Qantas Points.
If you do not know your Qantas Frequent Flyer number it is located on your physical membership card or digital membership card via the Qantas App. It also appears at the top of most emails sent to you by Qantas. If you are still unable to find it you can also call the Qantas Frequent Flyer Service Centre on 13 11 31 for more information. Not a member? Join Qantas Frequent Flyer for free.
Once you’ve started (but not submitted) your Digi Home Loan application you can view it in the CommBank app. Search for Buy a home, go to ‘My Application’ and select ‘Resume’ to proceed.
If you need to make changes to a Digi Home Loan application you’ve already submitted, you can let us know when we contact you to discuss your application.
You can borrow additional funds as part of your application as long you meet our credit policy and Digi Home Loan product conditions and eligibility criteria.
Yes you can, provided you meet the Digi Home Loan eligibility criteria.
We recommend that you complete your Digi Home Loan application prior to commencing another. Alternatively, you can choose to cancel your application for a Digi Home Loan and proceed with a different application through a lender-assisted channel of choice. Please note that if you proceed with a lender-assisted channel, this means you are not applying online and therefore Digi Home Loan will not be available.
Once you’ve submitted your application, we will contact you to confirm some details and answer your questions. If you are refinancing, can get the support you need in the CommBank app. Simply search for Buy a home and select the ‘Connect with us’ tile to speak with us via messaging. You may wish to bookmark Buy a home to your CommBank app home screen.
You can track the status of your Digi Home Loan application using the App Tracker in Buy a home. Simply access Buy a home tile from your CommBank app home screen.
You can only return your verification documents online.
For applications that have been submitted but have not yet reached ‘Conditionally Approved’ status, you can upload supporting documents via Buy a home in the CommBank App using the ‘My Application’ section.
For applications that have reached 'Conditionally Eligible’ status, you can upload supporting documents via Buy a home in the CommBank app using the ‘App Tracker’ tile.
Home loan documents will be issued to you digitally via NetBank and can also be accepted and signed digitally. However, in jurisdictions where documents cannot be issued or accepted digitally, you may return your loan documents to your nearest branch. If you need assistance, speak with an agent via Buy a home in the CommBank app using the ‘Connect with us’ tile.
Some home loan management activities are self-serve and can be completed online. If you want to keep track and manage your home loan, select your loan in NetBank or the CommBank app and select ‘Manage’. For changes to your Home Loan that you can’t self-serve online, you can contact us for support on 13 2224.
Fees may apply. See ‘fees we charge for consumer mortgage lending products'.
Yes, you can change or set up your Direct Debit amount, arrangement, frequency, date, account number and cancel a Direct Debit arrangement online. Simply log onto NetBank or the CommBank app, go to your loan and select ‘Manage’.
Yes, you can change your repayment type from Interest Only to Principal and Interest. Simply log onto NetBank or the CommBank app, go to your loan and select ‘Manage’.
To change from Principal and Interest to Interest Only, please contact us on 13 2224.
A Switching Fee applies. See ‘Fees we charge for consumer mortgage lending products'.
Yes, you can transfer the loan purpose from Investor to Owner Occupied or vice versa.
To initiate a loan purpose transfer, please contact us on 13 2224.
A Switching Fee applies. See ‘Fees we charge for consumer mortgage lending products'.
Your Digi Home Loan has a redraw facility that enables you to access additional repayments made over and above the minimum required repayments. To access your redraw, log onto NetBank or the CommBank app and select your loan account.
You can access your statements at any time by logging onto NetBank or the CommBank app – simply go to your loan and select ‘Manage’.
Please note a paper statement fee of $2.50 may apply per statement if you opt out of electronic statements, ask us to print a statement or provide you with an ad-hoc statement.
Yes, you can switch from Digi Home Loan to a Standard Variable Rate home loan or Fixed Rate home loan. To switch, contact us on 13 2224.
A Switching Fee applies. See ‘Fees we charge for consumer mortgage lending products'.
No, you cannot switch an existing CommBank home loan to a Digi Home Loan.
Yes, you can complete a substitution of security on your Digi Home Loan.
As the Digi Home Loan is a digitally originated home loan product available through our online channels. Branch support is only available for customers who are unable to self-serve online.
Digital Hubs are also available in many of our branches, where you can log onto NetBank to self-serve your loan management activities online.
The best way to keep track and manage your home loan is to log onto NetBank or the CommBank app, select your Digi Home Loan and select manage to proceed. For assisted support, you can contact us on 13 2224.
You can switch an eligible account to an Everyday Offset online via Netbank with your eligible CommBank variable rate home loan
Switch your Smart Access account to an Everyday Offset account
Once you have opened your eligible transaction account, follow the below steps to switch it to an Everyday Offset account:
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Qantas Points offer
+ To be eligible for this offer, a loan must meet the following criteria (Eligible Home Loan):
The Qantas Frequent Flyer member nominated to receive Qantas Points cannot have earned Qantas Points on a CommBank Digi Home Loan offer previously. A member can have multiple CommBank Digi Home loans, including joint applications, however they will only be eligible for Qantas Points once.
If the above conditions are met, Qantas Points will be awarded as follows:
The Qantas Points will be credited to the nominated member’s Qantas Frequent Flyer account within 30 days of settlement and will appear on the nominated member’s Points Activity Statement as ‘CommBank Digi Home Loan’. Qantas Points will not be awarded if the loan is in arrears or default, or any of the borrowers are receiving financial hardship relief or assistance at the time of crediting the points.
This offer cannot be used in conjunction with any other advertised or promotional offer. We reserve the right to close or vary this offer at any time.
Home loans issued by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945. Commonwealth Bank of Australia pays Qantas for Qantas Points issued in relation to this offer. Approval and loan limit are subject to Commonwealth Bank of Australia’s credit assessment criteria. Information, including interest rates and fees, are subject to change. Terms, conditions, fees, charges, lending and eligibility criteria apply. The target market for this product will be found within the product's Target Market Determination, available at commbank.com.au/tmd.
## Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable by an Accepted Payment Card in addition to the points required. Qantas Points and taxes, fees and carrier charges quoted for Classic Flight Rewards are per person, for economy flights (unless otherwise stated) and accurate as at 7 August 2025 and are subject to change. These are quoted at the time of booking and are subject to change. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more information.
1 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.
2Cashback calculated over the first five years of a 30-year loan with an initial borrowing value over $1,000,000 paid as a monthly cashback. Loans with an initial borrowing value under $1,000,000 can get up to $960. To receive this CommBank Yello benefit, you must meet the ongoing eligibility requirements for the CommBank Yello Gold or CommBank Yello Diamond tiers, which is subject to change. For full terms and conditions, eligibility criteria and information on benefits, visit commbank.com.au/commbankyello.
3 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 15 years for Investment Home Loans and five years for Owner Occupied Home Loans, so long as there is at least five years remaining on the Contracted Loan Term. We have different rates that apply, depending on whether you’re 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. Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the loan offer. Other fees and charges are payable.
4 The rates shown are interest rates for new borrowings with Principal and Interest repayments. For all our rates, including interest rates for Interest Only payments, see our Home Loan Interest Rates page.
5 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'.
6 You can link up to two Everyday Offset accounts to each Simple Home Loan. An offset feature fee will apply, see ‘Fees we charge for consumer mortgage lending products'.
The target market for this product can be found within the product’s Target Market Determination.
