Help & support
The Reserve Bank of Australia has held the cash rate.
Competitive variable rate with tailored discounts when you apply online or book an appointment
Link up to 99 Everyday Offset accounts
Freedom to split your loan, make unlimited additional repayments, ability to redraw1 as well as make Interest Only payments2
Get up to $240 cashback from CommBank Yello over 5 years^
Support every step of the way, whether you apply online or book an appointment
Top up your loan to help fund renovations or other plans
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
Download the Standard Variable Rate Home Loan fact sheet (PDF)
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.
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.
We'll ask you a few questions so we can help you find a home loan
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 simple home loan with a competitive variable rate and the choice to access two offset accounts5.
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.
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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 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 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.
³ 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.
* 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.
# Wealth Package benefits apply to eligible home loans or line of credits, including any new Standard Variable Rate and Fixed Rate home loans originated on and from 14 March 2026. 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 applicable product guide and Consumer Mortgage Lending Products Terms and Conditions for full details.
^Must have an eligible transaction account. Make 15+ transactions per month from a CBA account
+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.
