Choose a home loan that’s right for you

My loan is for

Estimated Property Value    

I want to

Loan Amount

Does not meet minimum loan amount
Does not meet minimum loan amount
Borrowing amount cannot be greater than 95% of property value

I'll pay back

Loan to Value Ratio (LVR) does not impact Fixed Rate.

All other rates have been updated in line with your #_LVR_VALUE_#% LVR. Your rates 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.

Wealth Package rates require a minimum initial package lending balance of $150,000.

Standard Variable Rate

A variable rate with discounts tailored to you, plus access to offset and an extensive range of features.2

Tell me more

Interest Rate^

p.a.

Repayments

Payments

$

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only.

Once #_KEY_IO_YEARS_DROPDOWN_# Interest Only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current Principal and Interest rates - which may change.

View rates by updating
Loan amount
Minimum loan amount $10,000

Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount or uncheck Wealth Package

Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount or uncheck Wealth Package

View rates by updating
Estimated property value
and/or Loan amount

View rates by updating
Estimated property value
and/or Loan amount

Owner occupied Interest Only rates are only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Owner occupied Interest Only rates are only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Investment Interest Only rates are only available for LVR’s lower than 90%.
Update Estimated property value and/or Loan amount

Investment Interest Only rates are only available for LVR’s lower than 90%.
Update Estimated property value and/or Loan amount

What you'll get

What you'll get

  • Link multiple offsets
  • Unlimited additional repayments
  • Unlimited redraws
  • Access features like top ups
  • Option to split loan
  • Eligible for interest rate reductions

Trade-offs

  • Not protected from interest rate increases

Trade-offs

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • Additional fees may apply

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • Additional fees may apply

Extra Home Loan

A home loan with a variable interest rate and low fees.2

Tell me more

Interest Rate^

p.a.

Repayments

Payments

$

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only.

Once #_KEY_IO_YEARS_DROPDOWN_# Interest Only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current Principal and Interest rates - which may change.

View rates by updating
Loan amount
Minimum loan amount $10,000

View rates by updating
Estimated property value
and/or Loan amount

View rates by updating
Estimated property value
and/or Loan amount

Owner occupied Interest Only rates are only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Owner occupied Interest Only rates are only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Investment Interest Only rates are only available for LVR’s lower than 90%.
Update Estimated property value and/or Loan amount

Investment Interest Only rates are only available for LVR’s lower than 90%.
Update Estimated property value and/or Loan amount

What you'll get

  • A simple variable rate with low fees without the need for a Wealth Package
  • Unlimited additional repayments
  • Unlimited redraws
  • Access features like top ups
  • Option to split loan
  • Eligible for interest rate reductions

Trade-offs

  • No offset account
  • No Wealth Package 
  • Not protected from interest rate increases
  • Not available to company or trust borrowers

Trade-offs

  • No offset account
  • No Wealth Package 
  • Not protected from interest rate increases
  • Not available to company or trust borrowers

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • Additional fees may apply

View rates by updating
Estimated property value
and/or Loan amount

Fixed Rate

Always know what your repayments will be with a locked-in rate.3

Tell me more

Interest Rate^

p.a.

Repayments

Payments

$

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only.

Once #_KEY_IO_YEARS_DROPDOWN_# Interest Only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current Principal and Interest rates - which may change.

View rates by updating
Loan amount
Minimum loan amount $10,000

Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount or uncheck Wealth Package

Wealth Package rates require a minimum initial package lending balance of $150,000. Update Loan amount or uncheck Wealth Package

View rates by updating
Estimated property value
and/or Loan amount

View rates by updating
Estimated property value
and/or Loan amount

Owner occupied Interest Only rates are only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Owner occupied Interest Only rates are only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Investment Interest Only rates are only available for LVR’s lower than 90%.
Update Estimated property value and/or Loan amount

Investment Interest Only rates are only available for LVR’s lower than 90%.
Update Estimated property value and/or Loan amount

What you’ll get

What you'll get

  • Protected from interest rate increases during fixed term
  • Option to lock in the reference interest rate with the Rate Lock feature at a fee of $750 – learn more about Rate Lock
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan (ERA may apply)

Trade-offs 

  • No offset account
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Trade-offs

  • No offset account
  • No Wealth Package selected
  • No redraw
  • Rate drops won’t apply to this loan during fixed term
  • No access to features like top ups
  • Charges may apply for additional repayments over $10k in a fixed year

Fees

  • $#_KEY_PACKAGE_FEE_# annual Wealth Package fee
  • $750 fee applies if you rate lock~
  • Early Repayment Adjustment and Administrative Fee may apply if additional repayments are over $10k in a fixed year,  switching or breaking your loan during fixed term
  • Additional fees may apply

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee
  • $750 fee applies if you ratelock~ – learn more about rate lock
  • Early Repayment Adjustment and Administrative Fee may apply if  switching or breaking your loan
  • Additional fees may apply

Digi Home Loan

A digital home loan with a low variable rate. Only available online and for customers refinancing their home loan from another financial institution.

Tell me more

Interest Rate^

p.a.

Repayments

Payments

$

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.

Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying interest only.

Once #_KEY_IO_YEARS_DROPDOWN_# Interest Only period ends, repayments will be $#_KEY_REPAYMENT_IO_# based on current Principal and Interest rates - which may change.

View rates by updating
Loan amount.
Minimum loan amount $100,000

Digi Home Loan is only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

Digi Home Loan is only available for LVR’s lower than 80%.
Update Estimated property value and/or Loan amount

View rates by updating
Estimated property value
and/or Loan amount

View rates by updating
Estimated property value
and/or Loan amount

What you'll get

  • A low variable rate 
  • Monthly cashback for eligible CommBank Yello customers 
  • Unlimited additional repayments
  • Unlimited redraws
  • Eligible for interest rate reductions

Trade-offs

  • No offset account
  • No Wealth Package
  • Not protected from interest rate increases
  • Not available to company or trust borrowers
  • Fees may apply for phone or in branch support for some transactions

Fees

  • $#_KEY_ESTALISHMENT_FEE_# establishment fee
  • $#_KEY_ONGOING_FEE_# monthly loan service fee (monthly cashback for eligible CommBank Yello customers)
  • Additional fees may apply

^Available for new borrowings only.

Start your home buying journey with us today

1. Check your borrowing power

Understand how much you could borrow in just a couple of minutes.

Calculate now

2. Get help & support from a lender

Access market and property insights and ongoing support with a CommBank lender.

Find out more about property reports

3. Get conditional approval

Turn your borrowing power into conditional approval so you can house hunt or refinance with confidence.

Book appointment

Already have a home loan with us?

  • Find personalised rates and discounts when you switch or fix your home loan

    • View all available rates when you log onto NetBank, 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’

    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.

    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.

    More about splitting your home loan

    Split in NetBank

  • Check your current rate

    To check your interest rate, log into NetBank or the  ​CommBank app.

    CommBank app:

    1. Log into the app
    2. Tap 'Accounts' and then 'Home Loan'
    3. Tap the 'Manage button'

    NetBank:

    1. Log on to NetBank
    2. Click on the Home Loan tab
    3. Click on 'Rate and info'

    Check your home loan

Access exclusive offers & discounts

  • $500 off conveyancing with Home-in when you settle a home loan with CommBank
  • Exclusive savings on fast and reliable nbn and mobile plans from More
  • Get discounted sustainable energy thanks to Amber wholesale energy prices

Access to more exclusive offers and discounts

Home buying support for business owners

Self-employed business owner? Achieve your property goals with the help of our lending specialists.

Learn more

Say hello to CommBank Yello!

Be rewarded as part of CommBank Yello, our customer recognition program, and you could receive benefits including prize draws, cashbacks and other offers while you bank with us. 

Message us 24/7

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. 

Message us

Get help

Things you should know

  • 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 To apply for a Wealth Package, you must have an eligible home loan or line of credit with an initial package lending balance of at least $150,000 at the time of your application. 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 include: Standard Variable Rate home loan, Fixed Rate home loans and Viridian Line of Credit. 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 Wealth Package Fact Sheet and Package 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.

    ~ 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. 

    # 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.

    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.