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Home loans

Get a flexible home loan

Flexible home loans

With Australia’s most trusted home lender you can plan on a flexible home loan that can change as your life does.

With a wide range of home loans and experts to help you every step of the way, getting the most out of your home loan is easy.

Whether you need to top up your loan for renovations or redraw to cover unexpected expenses, we can help give you the flexibility you need. Here's how you can.

2 year fixed package rate

Interest rate 4.84%PA

Comparison rate 5.67%PA

Buying a home

When you buy a home, you need a flexible home loan and all the support, help and tools to make your important purchase. We can help you understand the buying process and give you a free Property Guide app with all the information you need about properties across Australia. Then we can set you up with the right home loan.

2 year fixed package rate

Interest rate 4.84%PA

Comparison rate 5.67%PA

Investing in property

Finding the right investment property requires a clear plan and convenient financing. Whether you need an interest-only loan or a loan with the flexibility to make changes, we offer a range of options plus all the advice you need to make your investment a success.

2 year fixed package rate

Interest rate 4.84%PA

Comparison rate 5.67%PA

Renovating or building

Renovating a home you love or building the house you’ve always wanted? Talk to us about our specialised home loans for builders and renovators and find all the information you need to make your project a success.

3 Year Special Economiser

Interest rate 4.89%PA

Comparison rate 5.34%PA

Refinancing your home

If you're looking for a better deal on your home loan, consider switching to CommBank. Whether you require a simple, low fee home loan or a more complex loan that lets you take advantage of additional investment opportunities, we can help.

2 year fixed package rate

Interest rate 4.84%PA

Comparison rate 5.67%PA

Manage my home loan

Staying on top of your home loan can be a simple process. You’ll have all the support and advice you need from our specialists for the life of your home loan. If your needs change, our flexible home loans can change with you.

2 year fixed package rate

Interest rate 4.84%PA

Comparison rate 5.67%PA

Tools and calculators

Home loan calculators

Find the right home loan by calculating your loan amount, term, repayment amount and frequency. Choose a home and a home loan that suits your budget. 

Tools

Visit the Property section for helpful home buying, selling and investing information, articles, tools and advice. 

Fact sheets

My home loan

Understanding my home loan

Many of our loan types feature the flexibility to switch loans or adjust terms. 

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NetBank is the easiest way to manage a home loan, with 24 hour access to a range of services including changing repayment amounts, reviewing transactions and loan statements and applying for related products.

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Planning renovations, consolidating debts or trying to find some extra cash? Borrowing additional funds on an existing home loan could be the perfect solution.

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If you need extra money to cover unexpected bills, take advantage of an opportunity or just have extra cash to spend, you may be able to access additional repayments you’ve made on your home loan.

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Understand all the information on home loan statements with this easy-to-use guide. 

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Talk to an expert to see if you can save on your home loan. Your appointment is complimentary and obligation-free.

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Managing my payments

For an easy way to repay your loan within the agreed term or sooner, consider managing your home loan online and opening an interest off-set account.  

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If your circumstances change and you think you may find it hard to meet your required repayments, talk to us about your options. 

Find a branch

Choose the best strategy to pay off your home loan early, depending on the type of loan you have now. 

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Discover why your home loan repayments may change during the life of the loan and your options for repayment. 

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If your circumstances change, you may be able to access additional payments you’ve made. Explore your eligibility for Repayment Redraw or a Repayment Holiday.

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If you’re considering selling or refinancing your property and paying out your loan, you should know about full or partial discharge. 

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Building and using equity

To build the equity in your home sooner, increase the value of your property, make extra repayments or open an interest-offset account.

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You may have the flexibility to use the existing equity in your home to renovate, invest or improve your lifestyle.

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My borrowing options

Co-own a property with family or friends while keeping control of your finances.

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A low-documentation home loan that’s ideal for the self-employed or small business owner.

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Secure your loan with the help of family or friends who will help by mortgaging their property as added security.

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Choose a borrowing solution that will help you get into the property market without a large deposit. 

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The perfect alternative solution if you don’t have a large deposit.

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If you buy a new property before selling your existing one, bridging finance can help.

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Learn more about property

To make your property search easier, CommBank has partnered with realestate.com.au and rpdata.com to create the CommBank Property Guide app. 

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By borrowing money through an investment home loan, you can increase the amount you have to invest and may become eligible for a range of tax benefits.

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Whether you’re a buyer or seller, research could be the difference between making a good or a bad investment decision. 

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