Help & support
A low-rate digital home loan for eligible customers. Start your home loan application online and if eligible receive a conditional approval in minutes. Connect to features including offset and redraw.
Unlimited additional repayments and the option to link one Everyday Offset account5 to help you save on interest.
Fast online application – complete in as little as 10 minutes.
Fast approvals for purchasing a property or to refinance.
A home loan Australians choose. 1 in 5 customers chooses CommBank for their home loan.20
Get into your first home sooner. Over 5x low-deposit options designed to help first home buyers enter the market faster.21
Expert help, wherever you are. Get guidance from one of over 1,400 Home Lending Specialists across Australia.22
Helping more first home buyers succeed. Supporting more than 80,000 first home buyers into home ownership.23
It takes as little as 10 mins to complete your application.
Select Digi Home Loan if this is your preferred loan product.
Once submitted, you’ll receive a decision online.
Once submitted online, a specialist will reach out to finalise your application.
You can track your home loan application progress in Buy a home and connect with us through the CommBank app.
After you submit your application, you can track the progress of it in the CommBank app by searching for ‘Buy a home’.
Interest rate
Comparison rate
6.34% p.a.
6.36% p.a.
6.37% p.a.
6.39% p.a.
6.39% p.a.
6.41% p.a.
The rates shown are for Principal and Interest repayments.4
Rates effective from 9 October 2026.
Interest rate
Comparison rate
6.44% p.a.
6.46% p.a.
6.49% p.a.
6.51% p.a.
6.54% p.a.
6.56% p.a.
The rates shown are for Principal and Interest repayments.4
Rates effective from 9 October 2026.
We'll ask you a few questions so we can help you find a home loan
You can save up to 15% when you apply for combined Building and Contents cover through CommBank. To find out more, visit the home insurance page on our public website.
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:
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:
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.
You should consider whether the Qantas Points will result in any tax implications for you. We suggest you seek independent advice from your accountant or tax adviser if you are uncertain of the tax implications to you.
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.
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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.
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.
The target market for this product can be found within the product’s Target Market Determination.
20Figure based on CommBank’s 20.54% Australian Prudential Regulation Authority (APRA) market share as of June 2026 (includes Unloan; excludes RMG).
21Includes Australian Government 5% Deposit Scheme, Australian Government Help to Buy Scheme, Lenders Mortgage Insurance (LMI), Low Deposit Premium (LDP), and Guarantor Support.
22Data reflects CommBank branch, mobile and direct Home Lending Specialists in Australia as of 30/06/2026. Excludes Premier Banking, Business Home Lending and Private Banking specialists.
23Data represents home ownership through Australian Government 5% Deposit Scheme backbook as at 30/06/2026.
