Why choose a CommBank investment home loan?

Tailored rates

Get an interest rate tailored for you – giving you a great deal to suit your individual needs.

Special discounts

Enjoy special discounts on both your home loan and credit card with our Wealth Package.

Flexible loan features

Tailor your investment home loan to suit your needs and be ready for whatever life brings, with features like multiple free offset accounts, redraw, split loans, top-ups, flexible repayments and repayment holidays.

Property data & insights

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-winning1 digital technology

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

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

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

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CommBank Property & Suburb Reports

Your complimentary Property & Suburb Reports provide the latest information on new listings, auctions, recent sales and suburb profiles to help you make informed property decisions. You can access them for free when you book an appointment with one of our Home Lending Specialists.

Discover the reports

Property & Suburb Reports

Investment home loan interest rates

Loan type
Principal & Interest rate
Principal & Interest Package rate**
Interest Only rate
Interest Only Package rate**
Extra Home Loan
(Loan to Value ratio of 70% or less)*
3.12% p.a.
3.13% p.a. Comparison rate
n/a
3.68% p.a.
3.34% p.a. Comparison rate
n/a
Extra Home Loan
(Loan to Value ratio of 70.01% or more)*
3.15% p.a.
3.16% p.a. Comparison rate
n/a
3.71% p.a.
3.37% p.a. Comparison rate
n/a
Extra Home Loan (2 Year Intro Rate)*
3.32% p.a.
3.92% p.a. Comparison rate
n/a
3.88% p.a.
4.15% p.a. Comparison rate
n/a
Extra Home Loan (4 Year Intro Rate)*
3.32% p.a.
3.81% p.a. Comparison rate
n/a
3.88% p.a.
4.04% p.a. Comparison rate
n/a
Standard Variable Rate (SVR)
5.13% p.a.
5.28% p.a. Comparison rate
4.43% p.a.
4.84% p.a. Comparison rate
5.39% p.a.
5.37% p.a. Comparison rate
4.69% p.a.
4.90% p.a. Comparison rate
1 Year Fixed Rate
2.84% p.a.
5.05% p.a. Comparison rate
2.69% p.a.
4.67% p.a. Comparison rate
3.04% p.a.
5.07% p.a. Comparison rate
2.89% p.a.
4.68% p.a. Comparison rate
2 Year Fixed Rate
2.84% p.a.
4.85% p.a. Comparison rate
2.69% p.a
4.52% p.a. Comparison rate
3.04% p.a.
4.89% p.a. Comparison rate
2.89% p.a.
4.55% p.a. Comparison rate
3 Year Fixed Rate
2.84% p.a.
4.67% p.a. Comparison rate
2.69% p.a.
4.38% p.a. Comparison rate
3.04% p.a.
4.73% p.a. Comparison rate
2.89% p.a.
4.42% p.a. Comparison rate
4 Year Fixed Rate
3.24% p.a.
4.63% p.a. Comparison rate
3.09% p.a.
4.39% p.a. Comparison rate
3.44% p.a.
4.71% p.a. Comparison rate
3.29% p.a.
4.43% p.a. Comparison rate
5 Year Fixed Rate
3.24% p.a.
4.50% p.a. Comparison rate
3.09% p.a.
4.30% p.a. Comparison rate
3.44% p.a.
4.59% p.a. Comparison rate
3.29% p.a.
4.35% p.a. Comparison rate
Viridian Line of Credit
6.03% p.a.
5.78% p.a.
n/a
n/a

How to apply

There are a few things you’ll need to provide us when you apply for your investment home loan with CommBank:

  • Proof of identification
  • Proof of income
  • Details of any loans and savings not held with us
  • Other details

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Book a time with a Home Lending Specialist, instantly 

Manage your home loan and property smarter

The CommBank My Property experience in NetBank and the CommBank app provides personalised property insights that change dynamically over time, allowing you to track and manage your property portfolio, explore your options and plan for the future.

  • Monitor your home loan and property’s market performance
  • Understand your equity position and how it’s determined based on your property’s value and home loan balance
  • Know the steps you’ll need to take to achieve your future property goals
  • Work out what you can afford with our home loan calculators
  • Search for properties and discover our unique CommBank market  estimates and affordability calculations for them
  • Get direct access to your dedicated Home Lending Specialist

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Things you should know

1 2019 ABA Winner for New Product Innovation in The Australian Brand Awards 2019.

* The associated rate includes a margin below or above the applicable reference rate that applies for new lending only. As at 25 September 2020 the Extra Home Loan reference rate for Owner Occupied home loans is 3.78% and the current Extra Home Loan reference rate for Investment home loans is 4.13% p.a. Extra Home Loan (4 Year Introductory Rate) is only available for first home buyers where none of the applicants have previously owned or currently hold an interest in property anywhere in Australia. At the end of the introductory period, a reduced discount applies for the remaining life of the loan, which will result in the interest rate and repayments increasing at that time.

** To be eligible for a package you must have an initial total home lending balance of $150,000 (the sum of the account balance of eligible home lending and line of credit accounts) and pay an annual package fee of $395. Package rates shown are based on a discount of 0.50% p.a. on the Standard Variable Rate and Viridian Line of Credit, and a discount of 0.15% p.a. on Fixed Rates in a package. Low Doc loans not eligible. Please refer to the Wealth Package Fact Sheet or Mortgage Advantage Fact Sheet for full details.

Applications for finance are subject to the Bank’s normal credit approval including a valuation if applicable. Full terms and conditions are included in the Loan Offer. Fees and charges are payable. An annual fee and eligibility criteria applies to Wealth Package and terms and conditions are available on application.