Support for customers with a home loan

Where to go for help

Hear tips1 from our Personal Finance Expert, Jess Irvine, that may help you with the rising cost of living. 

Financial support

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.




Support with managing your expenses

More support & services

Cost of living support

Discover tools, tips and guidance articles to help you with the everyday cost of living.

Tell me more

Access external support services

In addition to contacting us, you may also find these external support services helpful if you’re experiencing financial hardship.

Find the latest government grants or rebates you may be able to claim

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. 

Try Benefits Finder

Try different scenarios with our loan repayments calculator

See how changes to repayments, interest rates or length of your loan can impact your current home loan.

Home loan repayments calculator


  • Why have my required repayment amounts increased?

    Your minimum required repayment may have increased because one or more of the following things have happened:

    • The interest rate for your home loan has increased. View our customer support page for our latest rate change information
    • Your fixed-term, interest-only or introductory interest rate period has ended, so the interest rate used to calculate your repayment amount has changed
    • You’ve taken money out of your available redraw balance.
  • If I have an existing collections or hardship arrangement, does this impact my existing arrangements?

    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).


Things you should know

  • 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.