Help & support
Small changes now can make a big difference later to how much of your home loan you end up repaying – and how long it takes.
See how you can pay off your loan sooner.
If you’re ahead on your loan, you may be able to access available money in redraw to use towards other expenses or apply for a repayment holiday, which allows you to put future Direct Debit Request (DDR) repayments on hold for a set period between three to 12 months.
If you have a Standard Variable Rate home loan, you can also use available money in your Everyday Offset towards your living expenses or set up multiple offsets to manage your household budget.
Manage your home loan online or contact us for support.
We’ll be in touch before your fixed rate period ends, or you can contact us to discuss your options at a time that suits you.
If your circumstances have changed, and you think you’ll find it difficult to meet your required repayments, we can help.
Contact us straight away so we can help with a range of personalised repayment or options to suit your needs.
Talk to your lender or our Financial Assistance Team to discuss your options.
Where to go for help
Hear tips1 from our Personal Finance Expert, Jess Irvine, that may help you with the rising cost of living.
Are you experiencing financial difficulty?
If you need help with repayments we encourage you to reach out to us early, so we can help find the right solution for you.
See how easy it is to manage your home loan repayments online
You can manage repayments, change loan types, see your loan balance and transactions all in the CommBank app and NetBank.
Discover tools, tips and guidance articles to help you with the everyday cost of living.
In addition to contacting us, you may also find these external support services helpful if you’re experiencing financial hardship.
Answer a few simple questions in NetBank or the CommBank app and we’ll help you find grants, rebates and concessions you may be eligible to claim.
You can also see our simple tools and tips for managing your money:
See how changes to repayments, interest rates or length of your loan can impact your current home loan.
Your minimum required repayment may have increased because one or more of the following things have happened:
If we’ve agreed to a payment deferral or for you to pay less than your minimum payment, please continue to comply with the agreed terms. We’ll contact you at the end of your current arrangement and work with you in light of this change to your minimum required repayment amount.
If you’re paying your minimum repayments plus extra to clear any arrears, you’ll need to pay the increased minimum repayment plus the extra to clear the arrears in the agreed time. If you’re unable to do so, please contact us and we will amend your payment arrangement so that we can continue to support you.
If you have any questions around your agreed payment arrangement, please call 13 30 95 between 8am and 9pm Monday to Friday or 9am to 2pm Saturday (Sydney time).
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.
An Everyday Offset is a transaction account linked to your eligible Standard Variable Rate home loan or Investment home loan. Any money you put into your Everyday Offset reduces the balance on which we charge interest. This means you’ll only be paying interest on the difference.
Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change.
As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on this advice.
The Bank makes no representation about the future direction of interest rates.
