Save with our low 3 Year Fixed Rate home loan (Investment) with our Wealth Package

2.39 % PA
Principal and Interest rate
4.31 % PA
Comparison rate*

Includes 0.15% p.a. discount with no establishment fee or monthly loan service fees. Minimum package lending balance from $150,000.1 Comparison rate warning.

Choose an investment home loan that’s right for you

My loan is for

I'll be borrowing

$10,000 minimum loan amount

Fixed Rate

Always know what your repayments will be with a locked-in rate for 1 year.2

Always know what your repayments will be with a locked-in rate for 2 years.3

Always know what your repayments will be with a locked-in rate for 3 years.2

Always know what your repayments will be with a locked-in rate for 4 years.2

Always know what your repayments will be with a locked-in rate for 5 years.2

Always know what your repayments will be with a locked-in rate for 1 year.2

Always know what your repayments will be with a locked-in rate for 2 years.2

Always know what your repayments will be with a locked-in rate for 3 years.2

Always know what your repayments will be with a locked-in rate for 4 years.2

Always know what your repayments will be with a locked-in rate for 5 years.2

Interest Rate % p.a.

Comparison 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 rates - which may change.

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

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

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

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

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

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

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

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

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

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

-

To be eligible for a home loan you will need a borrowing amount of at least $10,000.
Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

-

To be eligible for a home loan you will need a borrowing amount of at least $10,000.
Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

-

To be eligible for a home loan you will need a borrowing amount of at least $10,000.
Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

-

To be eligible for a home loan you will need a borrowing amount of at least $10,000.
Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

-

To be eligible for a home loan you will need a borrowing amount of at least $10,000.
Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

What you’ll get

  • Wealth Package4 savings including an interest rate discount
  • Protected from interest rate rises during fixed term
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan

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

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

What you’ll get

  • Wealth Package savings including an interest rate discount
  • Protected from interest rate rises during fixed term
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan

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

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

What you'll get

  • Wealth Package savings including an interest rate discount
  • Protected from interest rate rises during fixed term
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan

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

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

What you'll get

  • Wealth Package savings including an interest rate discount
  • Protected from interest rate rises during fixed term
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan

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

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

What you'll get

  • Wealth Package savings including an interest rate discount
  • Protected from interest rate rises during fixed term
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan

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

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

What you'll get

  • Protected from interest rate rises during fixed term
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan

Trade-offs

  • No Wealth Package savings or interest rate discounts
  • 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

Fees

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

What you'll get

  • Protected from interest rate rises during fixed term
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan

Trade-offs

  • No Wealth Package savings or interest rate discounts
  • 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

Fees

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

What you'll get

  • Protected from interest rate rises during fixed term
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan

Trade-offs

  • No Wealth Package savings or interest rate discounts
  • 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

Fees

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

What you'll get

  • Protected from interest rate rises during fixed term
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan

Trade-offs

  • No Wealth Package savings or interest rate discounts
  • 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

Fees

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

What you'll get

  • Protected from interest rate rises during fixed term
  • Additional repayments up to $10k in a fixed year without incurring additional charges
  • Option to split loan

Trade-offs

  • No Wealth Package savings or interest rate discounts
  • 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

Fees

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

Extra Home Loan

A basic loan with a low variable rate for the life of your loan.3

Interest Rate

% p.a.

Comparison 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 rates - which may change.

The minimum loan amount for an Extra Home Loan with an introductory period (2 year or 4 year) is $150,000. 

Update your borrowing amount or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

What you'll get

  • Low variable interest rate for the life of the loan
  • Unlimited additional repayments
  • Unlimited number of redraws
  • Access features like top ups

Trade-offs

  • No offset
  • Repayment amounts vary when interest rates change

Fees

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

Standard Variable Rate

Get the flexibility you want with the features and benefits you need.

Get the flexibility you want with the features and benefits you need.

Interest Rate % p.a.

Comparison 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 rates - which may change.

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

Update your borrowing amount to see the rates or choose another option in the drop down.

If you already have a home loan with us please talk to your Home Lending Specialists about your options.

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Update your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

-

To be eligible for a home loan you will need a borrowing amount of at least $10,000.

Change your borrowing amount.

If you already have a home loan with us, talk to your Home Lending Specialist about your options.

What you'll get

Trade-offs

  • Your interest rate isn’t locked in
  • Repayment amounts vary when interest rates change

Fees

What you'll get

Trade-offs

  • No Wealth Package savings or interest rate discounts
  • Your interest rate isn’t locked in
  • Repayment amounts vary when interest rates change

Fees

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

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.

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
  • Your rental process (e.g. self-managed or via a property manager) to ensure it's right for you

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

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 free offsetsredrawsplit 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

How much can I borrow?

Use your income and expenses to estimate how much you may be able to borrow for a home loan.

Calculate how much you can borrow

Home loan repayments calculator

Work out how much your home loan repayments might be.

Calculate your repayments

Stamp duty & upfront costs calculator

Estimate the other costs of buying a property, including government costs, stamp duty, and fees.

Calculate stamp duty & upfront costs

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 or Mortgage Advantage Fact Sheet for full details.

2 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.

3 As at 15 October 2021 Extra Home Loan reference rate for Owner Occupied home loans is 3.78% p.a. (principal and interest) and the current Extra Home Loan reference rate for Investment home loans is 4.13% p.a. (principal and interest).

^ 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.

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.