Help & support
Make a home loan comparison between our fixed and variable rates loans, whether you’re an Owner Occupier or Investor and are paying Principal and Interest or Interest Only.
The Reserve Bank of Australia has increased the cash rate. Find out what this means for your home loan.
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
Take advantage of our current home loan offers that could help with your new, existing or next property.
Earn 100,000 Yello Points when you apply online and settle an eligible home loan.
Eligibility criteria & T&Cs apply.
Get at least 0.10% p.a. off the advertised rate^^
Get at least 0.10% p.a. off the advertised rate^^ on eligible Simple and Standard Variable Rate home loans with a minimum loan balance of $150,000.
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.
Get conditional approval with no commitment. You're not locked into any rate or product, and have the flexibility to save and resume your application at any time.
Pre-fill your details online in as little as 10 minutes, then discuss your application with a lender who can help you get the best rate on offer and find the best fit for your needs.
Receive a call from a dedicated specialist after submitting your application online, guiding you through the process.
Apply for conditional approval online to get a step ahead on your application and in the property market, whether you've found a new property or just starting your search.
We'll ask you a few questions so we can help you find a home loan
Home loan considerations
Get the most out of your loan.
Choosing a home loan or refinancing in a changing rate environment can be a daunting task. We can help guide you through the considerations after an interest rate change.
Understand how much you could borrow in just a couple of minutes.
Access market and property insights and ongoing support with a CommBank lender.
Turn your borrowing power into conditional approval so you can house hunt or refinance with confidence.
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.
To check your interest rate, log into NetBank or the CommBank app.
CommBank app:
NetBank:
$699 conveyancing**
Home-in’s experienced team and secure, award-winning app will help guide you through the conveyancing process. Built by CommBank and trusted by thousands of Australian home buyers, receive real-time status updates, six-hour contract reviews4, and one of the industry’s best on-day settlement rates5. Plus, eligible CommBank customers can access $699 conveyancing with Home-in**.
Exclusive savings on More nbn®
Get $25 off monthly on new More nbn® plans for 36 months, then $10 off monthly ongoing. Plus, get $25 off a Wi-Fi Router pack with a new nbn® plan.6
Sign up using ConnectID and a CommBank credit or debit card as your online payment method.
Eligible CommBank Yello customers can also earn points on new services and ongoing spend with More. T&Cs apply.
Self-employed business owner? Achieve your property goals with the help of our lending specialists.
CommBank Yello is our reward and recognition program, helping you unlock more from your banking. Eligible CommBank Yello customers can earn CommBank Yello points through eligible products, shopping with brands you love or through banking milestones. Redeem across travel, shopping, gift cards and more, plus enjoy exclusive offers, discounts and presale access to great events and experiences.
Home interest rates are the percentage of the loan amount that lenders charge borrowers for using their money to purchase a home. These rates can be either fixed or variable:
Fixed Interest Rates: These rates remain the same for a set period, usually 1 to 5 years. They provide stability and predictability in your repayments.
Variable Interest Rates: These rates can change over time, influenced by the Reserve Bank of Australia's (RBA) cash rate and other economic factors. Variable rates can offer more flexibility but come with the risk of rate increases.
A home loan comparison rate helps show the true cost of the loan by combining the interest rate with certain fees and charges. It's expressed as a single percentage to make it easier to compare different loans. This way, you can see the overall cost, not just the advertised interest rate.
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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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.
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Please refer to our Home Loan Fact Sheets for details regarding our loans. The reference rate for your loan will depend on the repayment type you select – Principal and Interest or Interest Only. Interest Only period switches and extensions can be requested in both years and/or months via selected processes. The reference rate applicable for an Interest Only period applied in years and/or months will be the same as the Interest Only reference rate applicable to your loan type. Talk to your lender for more information. See rates for products no longer offered (PDF)
1 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.
2 Rate/s apply to new lending only and may include a margin below or above the applicable reference rate. The current reference rates can be found here.
3 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.
4 Our target is to complete eligible contract reviews within 6 business hours. This timeframe begins once the complete contract has been uploaded through the Home-in app, all required information has been provided, and any required identity verification has been completed. While we aim to meet this 6-business-hour target wherever possible, additional time may be required if further information, clarification, or documentation is needed. In these circumstances, the 6-business-hour timeframe may not be achievable. Reviews will commence during Home-in’s business hours, Monday to Friday, 9am–5pm Australian Eastern Time (AET). Requests submitted outside these hours will be assessed from the next business day.
5 Home-in has one of the highest on-time settlement rates in the industry with 95% of Home-in customers settling on time in 2026 (January – July).
6 The offer of a $25 discount off the Recommended Retail Price (RRP) per month on a More nbn® plan for 36 months is available to eligible CommBank customers who sign-up for a new More nbn® plan via the website by 31 March 2027 by completing ConnectID® verification, and using a CommBank credit or debit card at checkout, or for select customers who are notified of their eligibility to apply the offer to an existing More nbn® service via the More customer Portal and who complete ConnectID® verification by 31 March 2027. If you are eligible to apply the 36-month discount to your existing service, you will be notified of your eligibility by More, and this option will be available to you in the More Customer Portal. Not all services and customers are eligible to have the discount applied to an existing service. Eligible CommBank customers may also receive a one-time $25 discount off the RRP of a single Wi-Fi router pack when purchased in the same transaction as a new More nbn® plan. CommBank customers can receive a CommBank discount on a maximum of 2 nbn® services and 2 Wi-Fi router packs per More account (whether under this offer or any other More nbn® offer that has been or may become available to you). Wi-Fi routers available under this offer are as set out on the More website from time to time and are subject to change without notice. To maintain this offer, you must continue to pay for your discounted More nbn® plan with an eligible CommBank online bill payment method. Offer does not apply to additional services, charges or usage outside those that are included with your base monthly plan. The 36 months discount period commences from the day that your nbn® service is activated for new More nbn® services, or from the next billing period after the offer is applied to an eligible existing More nbn® service via the More customer Portal. After this, your plan will revert to the RRP current at that time, subject to an ongoing monthly discount of $10 per month off the RRP so long as you use an eligible CommBank debit or credit card as your online bill payment method. The RRP of More nbn® plans are available on the More website and are subject to change in accordance with More’s Standard Form of Agreement. CommBank and More reserve the right to vary, update or remove this offer at any time. Read full Terms and Conditions for the offer, More's Standard Form of Agreement and policies on More’s website
7 If you're a CommBank Yello Gold or Diamond customer, you could earn annual CommBank Yello points on your CommBank Standard Variable Rate or Fixed Rate home loan (Eligible Loan).
Your Eligible Loan must receive Package benefits under the Consumer Mortgage Lending Products Terms and Conditions. CommBank Yello points are earned once per Package per year, regardless of how many Eligible Loans are linked to that Package. Ongoing eligibility criteria applies for CommBank Yello, for full terms and conditions and information on benefits, see commbank.com.au/commbankyello.
** This offer is valid from 6 May 2025. To secure the offer you will need to engage the services of a Home-in partner law firm via the Home-in app on or after this date. If you engaged the services of a Home-in partner law firm via the Home-in app before this date, you are not eligible for this offer. This offer cannot be combined with other Home-in offers. This offer is only available to CommBank customers who meet the following criteria:
(a) have an eligible CommBank transaction account: Smart Access, Complete Access, Everyday Offset, Pensioner Security (excluding Pensioner Security Passbook accounts) or Private Bank Account; and
(b) fund an eligible residential property purchase using a new eligible CommBank home loan approved for that purchase; and
(c) settle this property purchase using the in-app legal services provided through Home-in. This offer only applies to buy-side conveyancing services for residential property purchases in Australia. Home-in does not offer conveyancing services for the purchase of off-the-plan, rural/agricultural, retail or commercial properties, or properties with a purchase price in excess of $5,000,000. Additional fees apply to conveyancing services in respect of complex titles (such as old system, leasehold and company titles), which are excluded from this offer.
This offer is only available through CommBank’s proprietary channels, it is not available to customers that originate through Bankwest, Unloan or a broker channel.
If you settle on a property without meeting the eligibility criteria, this offer will not apply and you will be required to pay the standard list price for your conveyancing services. If you do not ultimately settle on a property purchase with Home-in within 6 months of your first contract review, any disbursements, contract review fees and ancillary service fees incurred will become payable to Home-in at the standard list price.
The $699 (including GST) offer includes the following conveyancing services: one standard contract review, reasonable negotiation with the vendor’s solicitor, preparation of documents and figures required for settlement and electronic or paper settlement for your property.
Disbursements are additional and charged at cost. For some property purchases, you may require or request additional services for which we charge a professional fee, such as expedited settlement or usage of a trust account. Find out more about Home-in's pricing by visiting home-in.com.au/pricing. Home-in reserves the right to terminate the offer and change the pricing at any time.
Home-in is a brand of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 trading as Home-in Digital. CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia. For information about privacy, visit our privacy policy.
By clicking on any links directing to the More website and commencing the sign-up process, More will collect and handle your personal information under its collection notices and privacy policy as outlined on its website.
## If you’re a CommBank Yello, Yello Plus, Gold or Diamond customer, you could earn up to 24,000 CommBank Yello points (paid in 12 monthly instalments) in connection with this offer, subject to the eligibility requirements set out below. Customers who qualify for:
This offer applies to any new Amber Electric residential electricity plan, in areas where Amber is available, including NSW, Victoria, SA, ACT and Southeast Queensland. Yello Points are earned per new Amber service customer, per Amber account. To qualify to earn Yello Points under this offer, customers must be eligible for CommBank Yello, qualify for the applicable CommBank Yello tier(s), and become a new Amber service customer by signing up to an eligible Amber Electric plan between 1 October 2026 and 30 September 2027 (inclusive). Customers must have not held an Amber account at any time between 30 September 2025 and 30 September 2026.
Any caps, limits or restrictions on the number of points that may be earned apply as set out here: Yello Points are credited in 12 equal monthly instalments, for a maximum of 12 months per customer. Customers must remain an active Amber service customer with a current Amber monthly subscription and continue to meet the applicable CommBank Yello eligibility at time of points being credited, to remain eligible for the monthly instalments. If a customer ceases to be an Amber service customer, they will still receive the instalment for the calendar month in which they ceased to be a customer (credited in the following month), but will not receive any further instalments, and no instalments already credited will be reversed. The redemption, expiry and use of CommBank Yello Points are governed by the CommBank Yello Terms and Conditions available at commbank.com.au/commbank-yello. CommBank Yello points earned under this offer are not transferable to any other person and are linked solely to the CommBank Yello account of the customer who earned them. Amber and/or CommBank reserves the right to withdraw, vary or substitute this offer and/or the CommBank Terms and Conditions at any time
** This offer is valid from 6 May 2025. To secure the offer you will need to engage the services of a Home-in partner law firm via the Home-in app on or after this date. If you engaged the services of a Home-in partner law firm via the Home-in app before this date, you are not eligible for this offer. This offer cannot be combined with other Home-in offers. This offer is only available to CommBank customers who meet the following criteria:
(a) have an eligible CommBank transaction account: Smart Access, Complete Access, Everyday Offset, Pensioner Security (excluding Pensioner Security Passbook accounts) or Private Bank Account; and
(b) fund an eligible residential property purchase using a new eligible CommBank home loan approved for that purchase; and
(c) settle this property purchase using the in-app legal services provided through Home-in. This offer only applies to buy-side conveyancing services for residential property purchases in Australia. Home-in does not offer conveyancing services for the purchase of off-the-plan, rural/agricultural, retail or commercial properties, or properties with a purchase price in excess of $5,000,000. Additional fees apply to conveyancing services in respect of complex titles (such as old system, leasehold and company titles), which are excluded from this offer.
This offer is only available through CommBank’s proprietary channels, it is not available to customers that originate through Bankwest, Unloan or a broker channel.
If you settle on a property without meeting the eligibility criteria, this offer will not apply and you will be required to pay the standard list price for your conveyancing services. If you do not ultimately settle on a property purchase with Home-in within 6 months of your first contract review, any disbursements, contract review fees and ancillary service fees incurred will become payable to Home-in at the standard list price.
The $699 (including GST) offer includes the following conveyancing services: one standard contract review, reasonable negotiation with the vendor’s solicitor, preparation of documents and figures required for settlement and electronic or paper settlement for your property.
Disbursements are additional and charged at cost. For some property purchases, you may require or request additional services for which we charge a professional fee, such as expedited settlement or usage of a trust account. Find out more about Home-in's pricing by visiting home-in.com.au/pricing. Home-in reserves the right to terminate the offer and change the pricing at any time.
# 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 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.
Information provided (including interest rates) are subject to change.
Calculations are estimates provided as a guide only. They assume interest rates don’t change over the life of the loan and are calculated on the rate that applies for the initial period of the loan. Interest rates referenced are current rates and may change at any time.
Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as establishment or monthly service fees or stamp duty). Lenders' Mortgage Insurance or a Low Deposit Premium may apply to your loan depending on the size of your deposit; security, applicant and loan attributes. This is a one-off cost and will be added to the loan amount. Any of these additional amounts will increase repayments under the loan.
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. At the end of an interest only period, your repayments will increase to cover principal and interest components.
Rates are subject to change. Applications are subject to normal credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable.
* 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.
^^Discount applies to advertised rates and may differ from pricing available through other channels. Discount margin offers are subject to change. Terms, conditions, fees, charges, lending and eligibility criteria apply. Offer is available for new lending over $150,000 for Standard Variable Rate and Simple Home Loan when you apply online. Rates are subject to change and the discount margin offer may be withdrawn at any time.
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.
