Help & support
Top up your loan by $10,000 or more to access extra funds when needed
Link up to two Everyday Offset accounts to save on interest1
Make unlimited additional repayments, redraw2 funds, or choose to make Interest Only payments3
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
The rates shown are interest rates for new borrowings with principal and interest repayments.**
Rates effective from 15 May 2026.
The product discount margin will vary depending on the Loan to Value ratio (LVR).
The rates shown are interest rates for Principal and Interest repayments.**
Rates effective from 15 May 2026.
Get the most from your home loan application process and book time with a Home Lending Specialist at a time and place that suits you.
Submit online in as little as 10 minutes. A home lending specialist will call to assess your application and if eligible, you could receive conditional pre-approval within 1 day.
If you have a low deposit, there are still pathways such as Lenders Mortgage Insurance (LMI), guarantor support, or Government schemes to help you achieve your home ownership goals.
Access money progressively as you complete different stages with a construction loan.
Get the finance you need to buy a new property before you’ve settled on the sale of your existing one.
A digital home loan with a low variable rate and access to one Everyday Offset account*. Only available online.
A variable rate with discounts tailored to you, plus access to offset and an extensive range of features.
Always know what your repayments will be with a locked-in rate.
We'll ask you a few questions so we can help you find a home loan
To check your interest rate, log into NetBank or the CommBank app.
CommBank app:
NetBank:
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.
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Book instantly to speak to a Home Loan Specialist at a time that suits you.
Redraw, change your repayments or loan type to better meet your needs and more.
Fast-track your call, see expected wait times and connect with a specialist in the CommBank app.
Get instant help from our virtual assistant or chat to a specialist.
1 You can link up to two Everyday Offset accounts to each eligible Simple Home Loan. An Offset Feature fee will apply, see ‘Fees we charge for consumer mortgage lending products'.
2 Minimum $1,000 withdrawal with a $0 Redraw fee over the counter at any Commonwealth Bank branch and no minimum electronically with a $0 Redraw fee. Redraw is dependent on having the required amount available in special repayments (extra repayments).
3 You can choose to pay Principal and Interest weekly, fortnightly, or monthly. Only monthly payments are available for Interest Only. The maximum Interest Only payment period over the life of a loan is 15 years for Investment Home Loans and 5 years for Owner Occupied Home Loans, so long as there is at least 5 years remaining on the Contracted Loan Term. We have different rates that apply, depending on whether you are making Interest Only payments or Principal and Interest repayments. During an Interest Only period, your Interest Only payments won't reduce your loan balance unless you choose to make additional repayments. At the end of an Interest Only period, your repayments will increase to cover Principal and Interest components.
** The rates shown are interest rates for new borrowings with Principal and Interest repayments. For all our rates including interest rates for Interest Only payments view our Home Loan Interest Rates.
* You can link one Everyday Offset account to each eligible Digi Home Loan. An Offset Feature fee will apply, see ‘Fees we charge for consumer mortgage lending products'.
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 or guaranteed Interest Only loans are based on an initial Interest Only period equal in length to the fixed or guaranteed 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.
Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the Loan Offer. Other fees and charges are payable.
The target market for this product will be found within the product’s Target Market Determination, available here.
^Discount applies to advertised rates and may differ from pricing available through other channels. Discount margin offers are subject to change. Terms, conditions, fees, charges, lending and eligibility criteria apply. Offer is available for new lending over $150,000 for Standard Variable Rate and Simple Home Loan when you apply online. Rates are subject to change and the discount margin offer may be withdrawn at any time.
20Figure based on CommBank’s 20.54% Australian Prudential Regulation Authority (APRA) market share as of June 2026 (includes Unloan; excludes RMG).
21Includes 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.
