Help & support
Your interest rate and repayments stay the same during the fixed rate period
Make up to $10,000 in additional repayments each year without incurring additional fees1
Option to split your home loan into fixed and variable portions, giving you a mix of repayment certainty and flexibility
Get up to $240 cashback from CommBank Yello over 5 years2
Rate Lock can help secure your reference interest rate for 90 days before funding, for a non-refundable fee~
Track and manage your application in the CommBank App
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
As a CommBank customer, you can benefit from exclusive offers. Save on property management and utilities for your home, and get access to Home-in, helping you to simplify your property purchase and save on conveyancing.
Download the Fixed Rate fact sheet (PDF)
The rates shown are interest rates for Principal and Interest repayments.**
Rates effective from 15 May 2026.
The rates shown are interest rates for Principal and Interest repayments.**
Rates effective from 15 May 2026.
If you have a low deposit, there are still pathways such as Lenders Mortgage Insurance (LMI), guarantor support, or Government schemes to help you achieve your home ownership goals.
Lenders’ Mortgage Insurance allows you to purchase a property with a smaller deposit so you can own your home sooner.
Access money progressively as you complete different stages with a construction loan.
Get the finance you need to buy a new property before you’ve settled on the sale of your existing one.
A variable rate with discounts tailored to you, plus access to offset and an extensive range of features.
A digital home loan with a low variable rate and access to one Everyday Offset account2. Only available online.
A simple home loan with a competitive variable rate and the choice to access two offset accounts3.
We'll ask you a few questions so we can help you find a home loan
Some home loan types can’t be changed in NetBank, such as Interest Only. Call 13 2224 for any changes to your loan that you can’t make in NetBank.
You can also split your home loan and enjoy the best of fixed and variable.
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.
Submit online in as little as 10 minutes. A home lending specialist will call to assess your application and if eligible, you could receive conditional pre-approval within 1 day.
Get 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.
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Book instantly to speak to a Home Loan Specialist at a time that suits you.
Redraw, change your repayments or loan type to better meet your needs and more.
Fast-track your call, see expected wait times and connect with a specialist in the CommBank app.
Get instant help from our virtual assistant or chat to a specialist.
1You can make additional payments of up to $10,000 for each year of your fixed loan, without incurring an Early Repayment Adjustment (ERA) and an Administrative Fee (excluding Interest in Advance terms). These additional payments aren’t available through redraw until after your fixed rate term expires. We count a year as 12 months from the date you commence your fixed rate term and every 12 months after that. If you make additional payments during a fixed rate term, or had available redraw when you entered your fixed rate term, the amount available for redraw at the end of the fixed rate term may be lower. This is because the amount is adjusted so that at the end of your contracted loan term, both your loan balance and the available redraw will be zero.
2 Have an eligible CommBank transaction account; make 15+ eligible transactions from an eligible account/s; and keep an eligible balance of $50K for any 15 days (or more) OR have a CommBank combined funded home loan/s less than $1M (most recent funded amount).
20 Figure based on CommBank’s 20.54% Australian Prudential Regulation Authority (APRA) market share as of June 2026 (includes Unloan; excludes RMG).
21 Includes Australian Government 5% Deposit Scheme, Australian Government Help to Buy Scheme, Lenders Mortgage Insurance (LMI), Low Deposit Premium (LDP), and Guarantor Support.
22 Data 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.
23 Data represents home ownership through Australian Government 5% Deposit Scheme backbook as at 30/06/2026.
^ 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.
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.
~ 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.
Rate Lock is an optional feature that allows you to lock in your reference interest rate for 90 days for a non-refundable fee. We lock in the reference interest rate applicable on the day we receive your completed Rate Lock request form.
The Rate Lock Fee will be charged to your home loan when the Rate Lock request is processed and this is when the Rate Lock period begins.
Rate Lock is only available on 1-5 year periods. Applies to each Fixed Rate loan that has selected the Rate Lock feature. Rate Lock can be requested up until funding and a non-refundable fee applies. 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.
#Wealth Package benefits apply to eligible home loans or line of credits, including any new Standard Variable Rate and Fixed Rate home loans originated on and from 14 March 2026. 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 applicable product guide and Consumer Mortgage Lending Products Terms and Conditions for full details.
** The rates shown are interest rates for Principal and Interest repayments. For all our rates including interest rates for Interest Only payments view our Home Loan Interest Rates.
The target market for this product will be found within the product’s Target Market Determination, available here.
##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 or guaranteed Interest Only loans are based on an initial Interest Only period equal in length to the fixed or guaranteed 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.
