Save with our lowest ever 4 Year Fixed Rate home loan (Owner Occupied) with our Wealth Package

1.99 % PA
Principal and Interest rate
3.66 % PA
Comparison rate^

Includes 0.15% p.a. discount with no establishment fee or monthly loan service fees. Minimum package lending balance from $150,000.# Comparison rate warning.

More about fixed rates

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Book a time with a Home Lending Specialist

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Features & benefits

Split your loan

Enjoy the flexibility of a split home loan – how you choose to split it is up to you.

More about splitting

Wealth Package

Enjoy discounts on eligible loans and credit cards.

Tell me about Wealth Package

Choice of repayments

Choose to pay Principal and Interest weekly, fortnightly or monthly. Or Interest Only1 monthly.

Is Interest Only right for you?

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

For refinancers who apply before 31 December 2020 and have their loan funded by 31 March 2021. Minimum refinance amount $250,000. This offer is not available for Bridging Loans. 

Tell me more

Couple reviewing home loan details

Rates & fees

  • At the end of the fixed rate period, the loan converts to the Standard Variable Rate relevant to your loan purpose and repayment type at that time, or you can choose a new fixed rate period
  • $750 rate lock fee*
  • $600 upfront establishment fee ($0 with Wealth Package)
  • $8 monthly loan service fee ($0 with Wealth Package)
  • Interest Only payments available for up to 5 years for Owner Occupied Home Loans and up to 10 years for Investment Home Loans1

Download the Fixed Rate fact sheet (PDF)

Download the Early Repayment Adjustment guide (PDF)

Owner Occupied

Compare home loans
Term
Interest rate
Comparison rate
1 year fixed rate
2.34% p.a.
4.49% p.a.
1 year fixed rate (with Wealth Package)
2.19% p.a.
4.12% p.a.
2 year fixed rate
2.29% p.a.
4.29% p.a.
2 year fixed rate (with Wealth Package)
2.14% p.a.
3.97% p.a.
3 year fixed rate
2.29% p.a.
4.11% p.a.
3 year fixed rate (with Wealth Package)
2.14% p.a.
3.83% p.a.
4 year fixed rate
2.14% p.a.
3.89% p.a.
4 year fixed rate (with Wealth Package)
1.99% p.a.
3.66% p.a.
5 year fixed rate
3.14% p.a.
4.12% p.a.
5 year fixed rate (with Wealth Package)
2.99% p.a.
3.93% p.a.

The rates shown are interest rates for Principal and Interest repayments.**

Wealth Package requires a minimum package lending balance of at least $150,000.#

Comparison rate warning

See all home loan interest rates

Investment

Compare home loans
Term
Interest rate
Comparison rate
1 year fixed rate
2.84% p.a.
5.05% p.a.
1 year fixed rate (with Wealth Package)
2.69% p.a.
4.67% p.a.
2 year fixed rate
2.84% p.a.
4.85% p.a.
2 year fixed rate (with Wealth Package)
2.69% p.a
4.52% p.a.
3 year fixed rate
2.84% p.a.
4.67% p.a.
3 year fixed rate (with Wealth Package)
2.69% p.a.
4.38% p.a.
4 year fixed rate
3.24% p.a.
4.63% p.a.
4 year fixed rate (with Wealth Package)
3.09% p.a.
4.39% p.a.
5 year fixed rate
3.24% p.a.
4.50% p.a.
5 year fixed rate (with Wealth Package)
3.09% p.a.
4.30% p.a.

The rates shown are interest rates for Principal and Interest repayments.**

Wealth Package requires a minimum package lending balance of at least $150,000.#

Comparison rate warning

See all home loan interest rates

Compare home loans

Borrowing options

First Home Loan Deposit Scheme

You may be able to buy your first home sooner with as little as a 5% deposit thanks to the First Home Loan Deposit Scheme, designed to help more first home buyers realise their home ownership goals.

Discover the Scheme

Lenders’ Mortgage Insurance

Lenders’ Mortgage Insurance allows you to purchase a property with a smaller deposit so you can own your home sooner.

Tell me more about LMI

Guarantor support

A family member can help you secure a home loan by mortgaging their own property as additional security.

Tell me about guarantor support

Bridging finance

Get the finance you need to buy a new property before you’ve settled on the sale of your existing one.

Show me how

Already have a home loan with us?

You can switch or refix your existing home loan online

  • To switch in NetBank, go to 'Settings' and then select 'Change to fixed rate / refix home loan'. 
  • In the CommBank app, go to your home loan, tap ‘Manage loan’ then select ‘Change your loan’

Check your home loan

Split your loan

You can also split your home loan and enjoy the best of fixed and variable.

Call 13 2224

More about splitting your home loan

Looking for comprehensive protection for you and your home?

Home Loan Compassionate Care

Complimentary protection may be available for your eligible Owner Occupied home loan that can pay your loan repayments for around 12 months if you, your spouse or dependant passes away or is medically certified with a terminal illness. Loan and age eligibility requirements and other limitations and exclusions may apply.
 
mother with two children in backyard

Already have a home loan with us?

You can switch or refix your existing home loan online

  • To switch in NetBank, go to 'Settings' and then select 'Change to fixed rate / refix home loan'. 
  • In the CommBank app, go to your home loan, tap ‘Manage loan’ then select ‘Change your loan’

Change in NetBank

Check your home loan

Split your loan

You can also split your home loan and enjoy the best of fixed and variable.

Call 13 2224

More about splitting your home loan

Things you should know

1 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 10 years for Investment Home Loans and 5 years for Owner Occupied Home Loans, so long as there is at least 5 years remaining on the Contracted Loan Term. We have different rates that apply, depending on whether you are 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.

^ 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.

* Rate Lock allows you to lock in the interest rates for a period of 90 days effective from the date we process your request. Rate lock fee only available on 1-5 year periods. Applies to each Rate lock. Rate Lock is only available at application and a 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.

# Package requires at least $150,000 in package lending balance, and an annual fee of $395 applies. Package lending balance is the sum of the account balance of eligible home lending accounts and the credit limit of Viridian Line of Credit accounts that you have with us at the time you apply for Wealth Package. Eligible home loans are limited to those accounts that can be included in the Wealth Package.

** 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.