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Apply for conditional pre-approval

  • Apply for conditional pre-approval
  • Get connected with a trusted lender to help you search, find and settle on your next property

If you have more than two borrowers, it’s best to book an appointment.

If you’re self-employed, speak to our specialists about financing your home loan and business banking needs together. 

Apply for conditional pre-approval

Eligibility

Book time with a lender in-person or over the phone if you:

  • Have more than two borrowers
  • Your loan is for construction, buying off-the-plan, or set up with a trust or guarantor

Book appointment

Resume your application

  • Pick up from where your left-off

Resume application

What happens in the application

  • We'll verify your ID and finances
  • We'll ask you to select your preferred home loan option
  • We'll provide you an online decision once you submit

What happens after I apply?

  • We'll prompt you to download the CommBank app to keep your application progressing
  • We'll connect you with a lender
  • We'll give you 24/7 guidance in the CommBank app

Change your existing loan

You can switch or refix your eligible existing home loan online

  • View all available rates when you log onto NetBank, To switch in NetBank, go to 'Settings' and then select 'Change to fixed rate / refix home loan'. 
  • In the CommBank app, go to your home loan, tap ‘Manage loan’ then select ‘Change your loan’

Some home loan types can’t be changed in NetBank, such as Interest Only. Call 13 2224 for any changes to your loan that you can’t make in NetBank.

Change in NetBank

Check your home loan

Split your loan

You can also split your home loan and enjoy the best of fixed and variable.

More about splitting your home loan
 

Split in NetBank

Increase your home loan (Top up)

If you’re planning renovations, want to consolidate your debts or simply need extra cash, borrowing additional funds with your existing home loan could be the solution.
 

Book appointment

Tell me more about topping up my home loan

Things you should know

  • + To be eligible for this offer, a loan must meet the following criteria (Eligible Home Loan):

    • Loan application is for a new CommBank Digi Home Loan only, submitted between 1 September 2025 and 30 November 2025 inclusive.
    • Be submitted online directly via CommBank.com.au, NetBank or the CommBank app. (Loan applications made by Brokers are not eligible.)
    • Loan Purpose is for owner-occupier or investment property purchase or refinance from a financial institution other than CommBank. CommBank customers with an existing CommBank home loan are not eligible to refinance their home loan with this offer. The Digi Home Loan is not available for off the plan purchases, the purchase of land, building and construction loans, or bridging loans.
    • The application is either in sole or joint names. (Applications from Companies or Trusts are not eligible. Maximum of two applicants per application)
    • A minimum loan amount of $300,000 with a Loan to Valuation Ratio (LVR) of 80% or less.
    • The loan must be settled or drawn down by 31 May 2026. If you have not settled your home loan within 90 days of receiving pre-approval, your application will need to be refreshed by a CommBank lender to be able to retain your original submission date for the purpose of maintaining eligibility for the offer.
    • If, at any time during the offer period, the customer changes their application from a CommBank Digi Home Loan to another home loan product they will no longer be eligible for the Qantas Points offer.
    • You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. If an applicant is not a Qantas Frequent Flyer member, they can join for free here. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms
    • The application must include the Qantas Frequent Flyer membership number and corresponding last name attached to the Qantas Frequent Flyer account, to whom the Qantas Points will be awarded if eligibility is met. In the case of joint applications, the applicants must nominate one of the co-borrowers to be the recipient of the Qantas Points. The Qantas Frequent Flyer membership number must be added to the loan application prior to settlement, to be eligible for Qantas Points. The membership number can be added as part of the loan application or after submission via the CommBank Digi Home Loan App Tracker.

    The Qantas Frequent Flyer member nominated to receive Qantas Points cannot have earned Qantas Points on a CommBank Digi Home Loan offer previously. A member can have multiple CommBank Digi Home loans, including joint applications, however they will only be eligible for Qantas Points once.

    If the above conditions are met, Qantas Points will be awarded as follows:

    • 100,000 Qantas Points for loans between $300,000 and $499,999
    • 200,000 Qantas Points for loans between $500,000 and $999,999
    • 300,000 Qantas Points for loans of $1,000,000 or more. 

    The Qantas Points will be credited to the nominated member’s Qantas Frequent Flyer account within 30 days of settlement and will appear on the nominated member’s Points Activity Statement as ‘CommBank Digi Home Loan’. Qantas Points will not be awarded if the loan is in arrears or default, or any of the borrowers are receiving financial hardship relief or assistance at the time of crediting the points.

    This offer cannot be used in conjunction with any other advertised or promotional offer. We reserve the right to close or vary this offer at any time. 

    Home loans issued by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945. Commonwealth Bank of Australia pays Qantas for Qantas Points issued in relation to this offer. Approval and loan limit are subject to Commonwealth Bank of Australia’s credit assessment criteria. Information, including interest rates and fees, are subject to change. Terms, conditions, fees, charges, lending and eligibility criteria apply. The target market for this product will be found within the product's Target Market Determination, available at commbank.com.au/tmd.