Featured rate

4.87 % PA
Standard Variable Rate (with Wealth Package)
5.27 % PA
Comparison rate

Enjoy a discount on the standard variable rate (owner occupied) with Wealth Package.

Principal and Interest repayments, an interest rate discount of  0.50% p.a. with no establishment fee or monthly loan service fees. Minimum package lending balance of $150,000.# Comparison rate warning

Features & benefits

Complete flexibility

Freedom to split your loan, make unlimited additional repayments and redraws as well as make interest only payments.¹

Interest offset

Save on interest while having access to your money by using an Everyday Offset account.*

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Top up

Increase an existing home loan by $10,000 or more to get access to additional funds when you need them.

Wealth Package

Enjoy discounts on eligible loans and credit cards.

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Rates & fees

Download the Standard Variable Rate Home Loan fact sheet (PDF)

Download all home loan interest rates (PDF)

Owner occupied

   
Interest rate
Comparison rate
Standard variable rate
5.37% p.a.
5.51% p.a.
Standard variable rate (with Wealth Package)
4.87% p.a.
5.27% p.a.

The rates shown are interest rates for Principal and Interest repayments.**

Wealth Package requires a minimum package lending balance of at least $150,000.#

Comparison rate warning

Investment

   
Interest rate
Comparison rate
Standard variable rate
5.95% p.a.
6.09% p.a.
Standard variable rate (with Wealth Package)
5.45% p.a.
5.84% p.a.

The rates shown are interest rates for principal and interest repayments.**

Wealth Package requires a minimum package lending balance of at least $150,000.#

Comparison rate warning

Get the home buying advantage

Home loan refinance offer

Home loan refinance offer

Refinance your eligible home loan and you could get $2,000 cash back. T&Cs apply.

Investment Home Loan Offer

Investment Home Loan Offer

Take up a new investment home loan and you could get $2,000 cash back. Bridging loans excluded. T&Cs apply.

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Borrowing options

Property share

Split the cost of a home with family or friends, while keeping control of your finances. Available on most home loans.

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Lenders’ Mortgage Insurance

Lenders’ Mortgage Insurance allows you to purchase a property with a smaller deposit so you can own your home sooner.

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Guarantor support

A family member can help you secure a home loan by mortgaging their own property as additional security.

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Things you should know

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 Interest only payments can only be made monthly. 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, as long as there is a minimum of five years remaining on the Contracted Loan Term.

* Everyday Offset is a feature of our Complete Access Transaction Account which is linked to an eligible home loan, and accountholder/s must also be accountholders of the linked home loan. Interest is not charged on that part of the Home Loan balance equal to the balance of the Complete Access account. ** The rates shown are interest rates for 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.

# '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 are limited to those accounts that can be included in the Wealth Package. An annual fee and eligibility criteria applies to Wealth Package and terms and conditions are available on application.

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.