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Applying for a home loan

Applying for a home loan with CommBank is easy. You can sit down with one of our lending specialists to compare home loans and find one that’s right for you.

For a straight-forward home loan, we’ll need to see proof of your identity, income and how much you owe. Please bring photo identification, such as your driver’s licence or passport.

You may also need to bring the following documents to your interview:

  • Unless your salary is paid into a CommBank account, please bring copies of your bank statements for the last three months, or your most recent payslip, or a letter from a government body
  • If you are self-employed, bring your business or personal tax returns, financials and ATO assessment notices for the last two years. Please speak with your lending specialist if this isn’t possible
  • If you receive rental income, bring a copy of the lease agreement, bank statements or a letter from a real estate agent
  • If you are building a home, bring the formal building tender and formal plans and specifications
  • If you own property, please bring your current building insurance policy
  • If you’re looking to refinance your home loan, bring the last six months of home loan statements. Depending on the loan, you may want to bring along a copy of the contract of sale, if available. Bring one month’s statements for any credit cards or your latest personal loan statements
  • Calculate your current living expenses and consider any changes you may choose to make in the future, if your loan is approved. Living expenses are the funds you need to maintain a reasonable standard of living, including expenses such as food, transport, clothes, utilities, education and healthcare. We’ll ask you for this total amount during the interview.

Once your home loan is approved, we’ll send you the contract and official letter of offer on your home loan. You’ll need to look at the contract carefully with your solicitor or conveyancer before signing and returning to us. We will then set up your home loan and provide you with a letter of confirmation that the funds have been transferred to your account.

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