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* Standard Variable interest rate (Owner Occupied) for new borrowings with a Loan to Value ratio of 60% or less with Wealth Package1. Product discount margin on Standard Variable Rate loans may vary from time to time and is determined by CommBank based on the highest product discount margin on campaign offers between application assessment and time of loan contract. Minimum new borrowings of $10,000. Comparison rate warning
Use your income and expenses to estimate how much you may be able to borrow for a home loan.
Estimate the other costs of buying a property, including government costs, stamp duty, and fees.
With a variety of features and a competitive variable rate, you’ll enjoy the flexibility of our Standard Variable Rate home loan or Investment home loan.
Great discounts available with our Wealth Package.1
Standard Variable Rate with Package (owner occupied)
Interest rate: 6.49% p.a.
Comparison rate: 6.87% p.a.
Standard Variable Rate with Package (investment)
Interest rate: 6.60% p.a.
Comparison rate: 6.97% p.a.
Comparison rate warning
Calculate repayments
The home loan rates shown above are interest rates for Principal and Interest repayments.3 with a Loan to Value ratio of 60% or below
A home loan with a variable interest rate and low fees.4 Tell me more
Extra Home Loan2 (owner occupied)
Interest rate: from 6.59% p.a.
Comparison rate: from 6.60% p.a.
Extra Home Loan2 (investment)
Interest rate: from 6.70% p.a.
Comparison rate: from 6.71% p.a.
Comparison rate warning
Calculate repayments
The home loan rates shown above are interest rates for Principal and Interest repayments.3 with a Loan to Value ratio of 60% or below
Fixed
Enjoy the certainty of knowing exactly what your monthly repayment will be.
Fix your repayment for periods of 1 to 5 years and choose from our fixed rate loan options to help you plan your finances.
3 Year Fixed Rate with Package1 (owner occupied)
Interest rate: 6.59% p.a.
Comparison rate: 8.00% p.a.
3 Year Fixed Rate with Package1 (investment)
Interest rate: 6.64% p.a.
Comparison rate: 8.41% p.a.
Comparison rate warning
Calculate repayments
Enjoy a discount for the life of your loan
Our Extra Home Loan has a variable interest rate and low fees
Lock in our 3 year Fixed rate Home Loan (Owner Occupied) with our Wealth Package
Get certainty with fixed repayments.1
Get discounted conveyancing when you settle with a CommBank home loan and use Home-in*
Buy with confidence and convenience. Home-in guides you step by step through the home buying process, making it easy to stay on track with real-time updates and support, all in one app.
Take advantage of special discounts on loans, credit cards, everyday offset and insurance.
We’ve got flexible home loan options to suit your changing lifestyle.
Get guidance from start to finish on your home buying journey with the support of one of our expert lenders.
We’ve simplified the home buying application process for eligible self-employed customers.
If you’re self-employed and pay yourself a regular salary from your business, you may be eligible for a simplified income verification process without having to provide your company and/or personal financials.
Get in touch with our Home Lending Specialists to discuss your needs.
Get the confidence to act quickly when the right property comes along.
When you've found a property or want to refinance with CommBank.
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.
At the end of the fixed rate period, the interest rate converts to the applicable Standard Variable Rate relevant to your loan purpose and repayment type at that time, less any applicable package discount specified in your Loan Contract.
1 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 (commbank.com.au) for full details.
2 Rate/s apply to new lending only and may include a margin below or above the applicable reference rate. The current reference rates including for Interest Only payments can be found here.
3 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.
4 Rate/s apply to new lending only and may include a margin below or above the applicable reference rate. The current reference rates can be found here.
~ Based on CBA Market share derived from APRA Monthly Authorised Deposit-taking Institution Statistics, other Regulatory system credit balance data and CBA data. Applications are subject to credit approval, conditions, fees and charges apply.
*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. You can find out more about this offer and how to lock it in when you log into the App. Home-in reserve the right to terminate the offer at any time.
“Home-in” is a trademark 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 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.
** 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.
The target market for these products will be found within the product’s Target Market Determination, available here.
Interest rates are subject to change. Applications are subject to credit approval. Eligibility criteria and other conditions may apply to some loans. Full terms and conditions will be included in our loan offer. Fees and charges may be payable. The rates shown are interest rates for Principal and Interest repayments, check Home loan interest rates to view all our rates including interest rates for Interest Only repayments. As this information has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on this information. Commonwealth Bank of Australia ABN 48 123 123 124. Australian credit licence 234945.
