We can help you find a flexible home loan that suits your needs, with support from lending specialists every step of the way.
HOME LOANS
Ready to start your home buying journey?
Apply for a home loan online and get a response in 60 seconds.
Why choose CommBank?
Get a discount on your home loan
Take advantage of special discounts on loans, credit cards, everyday offset and insurance.
See howFlexible home loan options
We’ve got flexible home loan options to suit your changing lifestyle.
Compare our home loansBuy 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 youOur 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 rate3.89%PA
Comparison rate4.97%PA
2 Year Fixed Package Rate*,1
(investment)
Interest rate4.09%PA
Comparison rate5.46%PA
Get a great rate on our simple and easy variable home loan. Save on interest with an introductory rate or an ongoing discount for the life of the loan.
Extra Home Loan^
(owner occupied)
Interest rate3.99 %PA
Comparison rate4.00%PA
Extra Home Loan^
(investment)
Interest rate4.44%PA
Comparison rate4.45%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 rate5.36%PA
Standard Variable Rate
(investment)
Interest rate5.80%PA
Comparison rate5.94%PA
The home loan rates shown above are interest rates for Principal and Interest repayments.**
Compare home loans and view rates
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
Learn moreApply for a home loan online and get a response in 60 seconds.
Other home loans
Save on interest with a higher discount in the introductory period2 and then a lower discount for the life of the loan.
Learn moreUse the equity in your home to build your wealth, renovate, or even take a holiday.
Learn moreA Reverse Mortgage lets you use the equity in your home to make retirement a little more comfortable without selling your home.
Learn moreAdd-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.
Learn moreDeposit Guarantee
A convenient alternative to a cash deposit if your finances are tied up in investments or you’re waiting to sell your home.
Learn moreCredit 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.
We can help
Ready to apply or want to discuss your home loan needs?
Did you find what you were looking for?
Things you should know:
* 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.
** 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.
Information provided (including interest rates) are subject to change.
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.
2 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. Currently Extra Home Loan reference rate for Owner Occupied home loans is 4.45 % p.a. and the current Extra Home Loan reference rate for Investment home loans is 4.80 % 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. Currently Extra Home Loan reference rate for Owner Occupied home loans is 4.45 % p.a. and the current Extra Home Loan reference rate for Investment home loans is 4.80 % 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: 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.
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. You should also read our Financial Services Guide.