RBA holds cash rate

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

  • Book time with a lender instantly

    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.

    Book now

  • Apply for a home loan, conditional pre-approval or refinance

    Start your home loan or refinance application online and if eligible receive a conditional approval in minutes.

    Apply online

Invest in property with CommBank in 3 steps

  • 1. Do your research and set your investment strategy

    It’s important to do your research and understand the goals and strategies behind successful property investment. Think about things like:

    • Why you want to invest in property and what are you trying to achieve?
    • Will owing an investment property impact your overall lifestyle and meet your needs?
    • Speak to a professional financial advisor, accountant and tax specialist.
  • 2. Complete your investment home loan application

    We’ll guide you through the application process so you can choose an investment home loan that’s right for you, know how much you can afford to borrow and set a budget. You’ll need to provide us with:

    • Proof of identification
    • Proof of income and details of any loans and savings not held with us
    • Any other information we request.

    Once approved, you can then review and sign your loan contract.

    Apply online

  • 3. Manage your investment property

    You can take advantage of your new loan’s features and benefits right away once your investment home loan is set up.

    Regularly review:

    • Your insurance needs to ensure you're adequately protected
    • Your investment strategy to ensure it's meeting your needs and objectives.

    You can easily manage your investment home loan through the CommBank App and NetBank.

Simplify your property purchase with Home-in

CommBank has partnered with Home-in, your personal home buying concierge, to help simplify your property investment purchase. Helping you at every step, from pre-approval to shortlisting properties, conveyancing and settling on your loan.

Get started with Home-in

CommBank app

Book a time with a Home Lending Specialist to choose an investment home loan that's right for you

Why choose CommBank?

Flexible loan features

Tailor your investment home loan to suit your needs and be ready for whatever life brings, with features like repayment holidays, multiple offset accountsredrawsplit loanstop-ups and flexible repayment options such as switching to Interest Only payments.

Property data & insights

  • Free and individually customised reports for your target property or suburb. 
  • Explore the market with Property Search powered by Domain.

Dedicated Home Lending Specialists

  • Make confident decisions with specialists who partner with you at every step of your home buying journey and for the life of your loan.
  • Book an appointment at a time and place that suits you.

Award-winning^ digital technology

CommBank My Property gives you the flexibility to access, track and manage your investment home loan and property performance in NetBank and in the CommBank app.

Home loan calculators

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

  • 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.

    ^ 2019 ABA Winner for New Product Innovation in The Australian Brand Awards 2019.

    * 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.

    ~ 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 and are not a loan approval. 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. They 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). Interest rates referenced are current rates and may change at any time.

    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 (IO) payments or principal and interest repayments. During an IO period, your IO payments won't reduce your loan balance. At the end of an IO period, your repayments will increase to cover principal and interest components.

    Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Conditions apply to all loan options. Full terms and conditions will be set out in our loan offer, if an offer is made. Fees and charges are payable. Interest rates are subject to change. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. You should also read our Financial Services Guide.