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Home loans

Why choose CommBank?

Get a discount on your home loan

Take advantage of special discounts on loans, credit cards, everyday offset and insurance.

See how

Flexible home loan options

We’ve got flexible home loan options to suit your changing lifestyle.

Compare our home loans

Buy with confidence

Get guidance from start to finish on your home buying journey with the support of one of our expert lenders.

Take an expert with you

Our popular home loans

Enjoy the certainty of knowing exactly what your monthly repayment will be. Fix your repayment for periods of 1 to 5, or 7 years and choose from our fixed rate loan options to help you plan your finances.

2 Year Fixed Package Rate*,1
(owner occupied)

Interest rate3.99%PA

Comparison rate5.00%PA

2 Year Fixed Package Rate*,1
(investment)

Interest rate4.19%PA

Comparison rate5.25%PA

Get a great introductory rate on our simple and easy home loan. For a limited time, pay no establishment fee or monthly loan service fees. Offer applies to new borrowings only and ends 15 January 2017.

3 Year Special Economiser~
(owner occupied)

Interest rate3.99%PA

Comparison rate4.57%PA

3 Year Special Economiser
(investment)

Interest rate4.19%PA

Comparison rate4.82%PA

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.

Standard Variable Rate
(owner occupied)

Interest rate5.22%PA

Comparison rate5.37%PA

Standard Variable Rate
(investment)

Interest rate5.49%PA

Comparison rate5.63%PA

Get a discounted rate and save on fees with a Home Loan Package

Enjoy special discounts on loans, credit cards, everyday banking and insurance with our Wealth Package.

  • $395 annual package fee
  • $0 upfront establishment fee
  • $0 monthly loan service fee
  • Save up to 0.70% on Standard Variable Rates and Viridian Line of Credit
  • Save 0.15% on Fixed Rates

Available on a range of fixed and standard variable rate home loans and Lines of Credit. Requires an initial total home lending of at least $150,000 with us.1

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Apply for a home loan online and get a response in 60 seconds.

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Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply online

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Make an appointment with a Home Lending Specialist.

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Already a customer banking online with us?

Save time by using your NetBank details.

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Other home loans

Save on interest with an introductory discount2 or an ongoing discount for the life of the loan.^

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Use the equity in your home to build your wealth, renovate, or even take a holiday.

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A Reverse Mortgage lets you use the equity in your home to make retirement a little more comfortable without selling your home.

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Add-ons

Interest offset

Offset the funds in your linked accounts against the balance of your home loan, to potentially save thousands in interest and cut years off the term of your home loan.

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Deposit Guarantee

A convenient alternative to a cash deposit if your finances are tied up in investments or you’re waiting to sell your home.

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Credit card with no annual fee

With the Wealth Package, you could save up to $349 per year by paying no annual fee for the Diamond Awards Credit Card. No Wealth Package#? You’ll pay no annual fee for the first year if you apply for a credit card and home loan at the same time.

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Home loan calculators

Use your income and expenses to estimate how much you may be able to borrow for a home loan.

Calculate

Work out how much your home loan repayments might be.

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Estimate the other costs of buying a property, including government costs, stamp duty, and fees.

Calculate

We can help

Ready to apply or want to discuss your home loan needs?

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Already a customer banking online with us?

Save time by using your NetBank details. 

 

Apply in NetBank

New customer or don't bank online with us?

Apply online

or

or

Already a customer banking online with us?

Save time by using your NetBank details. 

 

Make appointment in NetBank

New customer or don't bank online with us?

Make an appointment online

or

Things you should know:

* At the end of the fixed rate period, the interest rate converts to the then current Standard Variable Rate, less any applicable package discount specified in your Loan Contract.

~ Information provided (including interest rates) are subject to change. This offer is only available for new loan borrowings from $150,000 on a 3 Year Discounted Base Variable Rate (Special Economiser) for non-Homeseeker applications submitted between 20 November 2015 - 15 January 2017, and converts to the Economiser Base Variable Rate at the end of the 3-year period. Offer may be withdrawn at any time.

1 To be eligible for Wealth Package, you must have a current home loan or line of credit with an initial ‘total home lending balance’ of at least $150,000 when you apply for Wealth Package. Total Home Lending balance is the sum of the account balance of 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. The package can only be established under one individual’s name or in the name of a corporate entity. It cannot be established in joint names or in the name of a business or family investment trust. Customers with Low Doc Loans are not eligible to apply for Wealth Package. Annual fee of $395 applies.

Extra Home Loan - Introductory rate provides a discounted margin off the Extra Home Loan - Introductory rate reference rate available at the time loan documents are issued. As at 20 May 2016 Extra Home Loan reference rate for Owner Occupied home loans is 4.52 % p.a. and the current Extra Home Loan reference rate for Investment home loans is 4.79 % p.a.

^ Extra Home Loan provides a discounted margin off the Extra Home Loan reference rate available at the time loan documents are issued, for the life of the loan. As at 20 May 2016 Extra Home Loan reference rate for Owner Occupied home loans is 4.52 % p.a. and the current Extra Home Loan reference rate for Investment home loans is 4.79 % p.a.

# The primary credit card holder must be the same as the package holder for this benefit to apply.

Comparison rate calculated on a $150,000 secured loan over a 25-year term. WARNING: This 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.

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 the advice.