Home loan offers

¹ We Money - Property Innovation of the Year Award (2024), Customer Service Excellence Award - Customer Service Organization of the Year: Small (2023), Finder Innovation Awards - Best Online Customer Service Innovation (2023).

Contracts are reviewed within six business hours 95% of the time (October 2023). To ensure contracts are reviewed within six business hours, customers must upload the entire contract within the Home-in app.

Home-in has one of the highest on-time settlement rates in the industry with 95% of Home-in customers settling on time in 2023.

² Home-in has one of the highest on-time settlement rates in the industry with 95% of Home-in customers settling on time in 2023.

** 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 with a CommBank home loan; 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 (Cth) and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia.

³ Offer of $50 off per month the Recommended Retail Price (RRP) of a More nbn plan for three years is for customers with conditional pre-approval of an eligible CommBank home loan who then find a property and fund $250,000 or more between 1 November 2024 and 31 October 2025. This new nbn offer is available to proprietary originated applications only. To receive this offer, you must then sign up for a new More nbn plan using a CommBank credit or debit card as your online bill payment method. You may sign up to any More nbn plan. If you choose to do this, you will be entitled to a discount which is equal to $50 off per month the RRP of a More nbn plan throughout the three-year period, provided you continue to satisfy all ongoing eligibility requirements. Once you’re ready to settle your eligible home loan by 31 October 2025, you should receive your unique offer code within 14 days. Limit of one offer code per borrowing entity (e.g. individual, joint borrowers, company) and per customer. Limit of one offer code per joint application. All offer codes issued in connection with this offer are valid until 30 April 2026. Any offer codes not redeemed by that date will expire. Not available for Bridging Loans or Construction Loans. The discount on your More nbn plan commences from the day your nbn service is first activated and runs for three years. After three years the cost of your plan will revert to the RRP current at that time, subject to an ongoing monthly discount of 10% off RRP as long as you use an eligible CommBank online bill payment method. You may change to a different More nbn plan, in which case you will receive a discount for the rest of the three-year period equal to $50 off per month the RRP of a More nbn plan, and you must pay any additional monthly plan fees above this discount. If your selected nbn plan has its features or pricing changed, you will be notified. If you plan is no longer available, you will be notified and switched over to a comparable plan with the closest terms and pricing and this offer will be applied to that plan for the rest of the three-year period. The offer cannot be used in conjunction with other offers or discounts. You must continue to have an eligible CommBank home loan throughout the three-year term to maintain the discounts available with this offer. You must continue to have your CommBank credit or debit card registered as the preferred online bill payment method on your account. Alternatively, after checkout you may change your online bill payment method to a direct debit from a CommBank account and remain eligible for this offer. If you change your online bill payment method to an ineligible payment method during the three-year promotional period, you will forfeit the discount for any months that you pay with an ineligible payment method. Access to the offer will be revoked with effect from the month in which you change to an ineligible payment method with the cost of your plan reverting to the RRP current at that time. You will not receive an extension on the three-year promotion period for any months forfeited, but your discount will be reinstated for any remaining portion of the three years after you change back to an eligible payment method. If you change to an ineligible payment method after the first three years, you will forfeit the ongoing monthly discount in entirety. Once you sign up to More under this offer, you have 30 days to activate your service. CommBank customers are only entitled to receive a discount on a maximum of two nbn services per account. This limit applies regardless of whether any services were added under this More offer, or any other More nbn offer that has been or may become available to you. The RRP of More nbn plans are subject to change in accordance with More’s terms of service. This offer is on a no-fixed-term contract and you’re free to cancel at any time. However, cancelling your service will forfeit any remaining discounted months. All discounts available with this offer apply to monthly plan fees and do not apply in relation to any hardware charges or any fees in respect of additional services or usage outside of plan inclusions. Offer does not have to be used at the funded property and can be used at any address where a More nbn service is confirmed as available. If you sign up, More will be your nbn service provider and will handle all technical enquiries, complaints and servicing. The provision of your service will be subject to More’s standard terms of service and policies, available on the More website. CommBank reserves the right to remove this offer at any time. For existing customers, the discount can only be applied at a new property.

⁴ The CommBank Yello Cashback Offers program (‘CommBank Yello Cashback Offers’) rewards you with cashback after you activate (where required) an offer presented to you via the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer. Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. If you are not already enrolled, you can enrol if you are at least 18 years old, hold an eligible CommBank credit Mastercard or debit Mastercard, Business credit Mastercard or StepPay digital card, and meet the ‘Base eligibility criteria’ in the ‘CommBank Yello Terms and Conditions’ (latest version available on our website at commbank.com.au/commbank-yello) (‘CommBank Yello’). Your participation in CommBank Yello Cashback Offers is governed by the full Terms and Conditions available in the CommBank app.

^ Streamline Basic and Business bank accounts are not eligible transaction accounts for CommBank Yello.

If you win a prize draw, we’ll need to publish your first initial, surname and state (e.g. A. Citizen, NSW) on our website.

If you don’t use the CommBank app, you’ll still be entered into the prize draws and receive CommBank product cashbacks e.g. home insurance, Home Loan Package, Personal Loan cashbacks (if eligible).

Any CommBank product cashbacks (e.g. home insurance, Home Loan Package, Personal Loan cashbacks) and prize draw winnings will be paid into a joint account if you don’t have an eligible single account, unless you have selected the account your cash benefits are paid into.

To opt out of CommBank Yello, go to CBA Yello and tap the Settings icon. You can also visit your local branch.

View current Terms and Conditions (PDF)

View Frequently Asked Questions

⁵ You’re eligible for the Homeowner benefit set if you are an account holder of at least one individual or joint eligible transaction account and are a borrower under an eligible home loan. Plus, you’ve made a minimum of 30 eligible outbound transactions from your eligible transaction account or eligible credit card account, in the previous month or the month before that.

Eligible, completed transactions made on a joint eligible transaction account or eligible credit card account, contribute to the eligibility of all joint account holders and cardholders.

Eligible transaction accounts:

• Smart Access
• Everyday Offset
• Pensioner Security (card access only)
• Private Banking Account
• Complete Access

Eligible credit card accounts:

• Awards
• Low Fee
• Low Rate
• Essentials
• CommBank Neo
• StepPay (we treat this as a “credit card” account for CommBank Yello purposes)
• Affinity

Eligible home loans:

• Standard Variable Rate
• Fixed Rate
• Extra
• Digi Home Loan
• Base Variable Rate (Economiser)
• No Fee (Low Rate)
• Green Loan
• Bridging Loan

Your home loan is not eligible if it is:

• paid off or closed; or
• refinanced into another home loan that is not eligible; or
• refinanced to another bank.
• not eligible; or
• refinanced to another bank.

You are not eligible for CommBank Yello benefits if:

• you are under the age of 18;
• we are notifid you are deceased;
• the residential or postal address we hold for you is in the European Union or United Kingdom;
• you have closed your eligible transaction accounts; or
• you have opted out.

We assess eligibility every month, typically on a day within the first week of each month. Read examples of eligibility journeys.

For further information on the Homeowner benefit set eligibility criteria, refer to Clause 4.1 in the CommBank Yello Terms and Conditions.