Skip to main content Skip to log on Skip to search Accessibility at CommBank

Home loans / Property Share

What is Property Share?

Want to share your property costs with someone else? Property Share allows you to split the cost of buying a home with family and friends, while retaining individual control of your finances.

All Property Share borrowers must be owners of the property and guarantee each other’s home loan(s) as security. A maximum of two home loan applications per security is allowed, but each application may have multiple borrowers or multiple loan products (such as a split loan). 

Property Share is available for individuals, non-trading companies and/or family/unit/hybrid trusts who take out one of our Standard Variable Rate, Simple Home Loan or Fixed Rate home loans.

Property Share cannot be used for business purposes, bridging loans, land purchase or building and construction loans.

Features & benefits

  • Convenience

    • Pool your money with friends or family to buy your first home or enter the market as a property investor
    • You may be able to buy a bigger or more expensive property than  you would otherwise be able to afford on your own

  • Flexibility

    • Split the costs of your home any way you like and let each borrower decide how they want to manage their loan repayments
    • Each borrower can access a range of features including redraw facilities, mortgage offset accounts and lines of credit

Why choose CommBank? 

A home loan Australians choose. 1 in 5 customers chooses CommBank for their home loan.20

Get into your first home sooner. Over 5x low-deposit options designed to help first home buyers enter the market faster.21

Expert help, wherever you are. Get guidance from one of over 1,400 Home Lending Specialists across Australia.22

Helping more first home buyers succeed. Supporting more than 80,000 first home buyers into home ownership.23

Things to consider

    • By going into a Property Share agreement you are providing a guarantee, which can involve serious financial risk to you if the other borrower(s) can’t meet the terms and conditions of their loan contract. Your credit report may also be negatively impacted
    • We strongly recommend you seek independent legal and financial advice before providing a guarantee to understand your risks, obligations and potential impact on your financial situation

How to apply

    • Each borrower must be an owner of the property (no third-party guarantors) and show they can repay their portion of the home loan (prove servicing of the loan)
    • You’ll need to guarantee each other’s loans as security support
    • You must seek legal advice and all sign a Statutory Declaration form before entering into a Property Share agreement

    For more details about Property Share, you can make an appointment with a Home Lending Specialist online, contact us, or visit your closest branch.

    Book appointment

Tools & support

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

We're here to help

Things you should know

  • 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.

    *Awarded 'Bank of the Year - First Home Buyers' by Canstar in July 2025.

    20 Figure based on CommBank’s 20.54% Australian Prudential Regulation Authority (APRA) market share as of June 2026 (includes Unloan; excludes RMG). 

    21 Includes Australian Government 5% Deposit Scheme, Australian Government Help to Buy Scheme, Lenders Mortgage Insurance (LMI), Low Deposit Premium (LDP), and Guarantor Support. 

    22Data reflects CommBank branch, mobile and direct Home Lending Specialists in Australia as of 30/06/2026. Excludes Premier Banking, Business Home Lending and Private Banking specialists. 

    23Data represents home ownership through Australian Government 5% Deposit Scheme backbook as at 30/06/2026.