Help & support
RBA holds cash rate
Enjoy further interest rate discounts in addition to standard package benefit on eligible home loans and waiver of certain fees.
Save on interest while having access to your money by using an Everyday Offset account.
Freedom to split your loan, make unlimited additional repayments and redraws¹ as well as make Interest Only payments.2
Increase an existing home loan by $10,000 or more to get access to additional funds when you need them.
Not protected from interest rate increases.
Get $500 off conveyancing³ and be ready to bid with a contract reviewed in six business hours4 with Home-in. You will also receive benefits including prize draws, cashbacks and other discounts as part of CommBank Yello, our customer recognition program, and savings on nbn® and mobile plans with More.
Download the Standard Variable Rate Home Loan fact sheet (PDF)
The product discount margin will vary depending on the Loan to Value ratio (LVR).
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.
Start your home loan or refinance application online and if eligible receive a conditional approval in minutes.
Self-employed business owner? Achieve your property goals with the help of our lending specialists.
Split the cost of a home with family or friends, while keeping control of your finances. Available on most home loans.
Lenders’ Mortgage Insurance allows you to purchase a property with a smaller deposit so you can own your home sooner.
A family member can help you secure a home loan by mortgaging their own property as additional security.
A digital home loan with a low variable rate. Only available online and for customers refinancing their home loan from another financial institution.
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.
You can also split your home loan and enjoy the best of fixed and variable.
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.
Was the information on this page useful?
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 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).
2 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 10 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.
³ CommBank Exclusive Offer: You’re eligible for the offer if you 1) Settle on a property with a CommBank home loan, and 2) Use the in-app legal services provided through Home-in. To secure the offer you will need to engage the services of Home-in’s partner law firm via the Home-in app. Eligible customers will receive a discount of $500 off the conveyancing fee, and disbursements are additional and charged at cost. Home-in reserves the right to terminate the offer and change the pricing at any time. Find out more about Home-in's pricing by visiting home-in.com.au/pricing.
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 and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia. For information about privacy, visit our Privacy Policy.
©2024 Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit license 234945.
⁴ 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.
** 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.
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.
# 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 and Package Terms and Conditions for full details.
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.
