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Benefits of an Economiser Home Loan

Low intro rate

Low introductory rate

Get a great discounted rate on our 3 Year Special Economiser home loan. At the end of the period, the rate automatically rolls over to the applicable Base Variable Rate.

Make extra rempayments

Make additional repayments

Make the most of any extra funds to make additional repayments so you can pay off your home loan faster and save on interest.

Flexibility to redraw your extra repayments


Conveniently access your additional repayments fee-free using NetBank, by phone, in any CommBank branch2 and from selected ATMs. 

Our featured rates

3 Year Special Economiser
(owner occupied)

Interest rate4.29%PA

Comparison Rate4.78%PA

3 Year Special Economiser

Interest rate4.97%PA

Comparison Rate5.38%PA

The rates shown above are interest rates for Principal and Interest repayments.**

View all our Base Variable Rates

Interest rates and fees

The rates shown are interest rates for Principal and Interest repayments.**

Interest rate

Comparison rate

3 Year Special Economiser (owner occupied)

4.29% p.a.

4.78% p.a.

Economiser Base Variable Rate (owner occupied)

4.76% p.a.

4.91% p.a.

3 Year Special Economiser (investment)

4.97% p.a.

5.38% p.a.

Economiser Base Variable Rate (investment)

5.34% p.a.

5.48% p.a.

  • $600 upfront establishment fee on the 3 Year Special Economiser
  • $600 upfront establishment fee on the Base Variable Rate Home Loan
  • $8 monthly loan service fee on the 3 Year Special Economiser
  • $8 monthly loan service fee on the Base Variable Rate Home Loan


Why choose CommBank

Expert lending support

Expert lending support

Make confident decisions, with specialists who partner with you at every step.

Anywhere, anytime convenience

Anywhere, anytime convenience

Manage your home loan and banking 24/7 with the CommBank app, NetBank or over the phone.

24/7 support

24 hour support

Our Australian based service team is there to help, 24 hours a day, 365 days a year.

Home Loan Calculators

Enter your income and expenses to get an estimate of how much you may be able to borrow for a home loan.

Use calculator

Estimate what your future repayments would be based on how much you want to borrow and the term.

Use calculator

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

Use calculator

Borrowing options

Split the cost of a home with family or friends, while retaining individual control of your finances. Available on most home loans.

Learn more

Lenders’ Mortgage Insurance allows you to purchase a property with a smaller deposit, so you can own your home sooner.

Learn more

Get the finance you need to buy a new property before you’ve settled on the sale of your existing one.

Learn more

A family member can help you secure a home loan by mortgaging their own property as additional security.

Learn more

Similar to Lenders’ Mortgage Insurance, this additional cost is added to your loan, so you don’t have to come up with these funds upfront.

Learn more

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

Learn more

Things you should know

Information provided (including interest rates) are subject to change.

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.

** 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.

1. Interest only payments can only be made monthly. The maximum interest only payment period over the life of a loan is 10 years for Investment Home Loans and 5 years for owner occupied Home Loans, as long as there is a minimum of five years remaining on the Contracted Loan Term. If interest only is chosen, repayment redraw is not available for the term of the loan.

2. Minimum $1,000 withdrawal with a $0 Redraw fee over the counter at any Commonwealth Bank branch and no minimum electronically with a $0 Redraw fee. Redraw and Repayment Holiday are not available on interest only loans and is dependent on having the required amount available in special repayments (extra repayments). Repayment Holidays are also not available where there is a second or subsequent mortgage to another financial institution ranking behind the Commonwealth Bank. Applications are subject to the Bank's approval.

3. Excludes non-Commonwealth Bank ATMs here and overseas, transfer group payments to third parties, International Money Transfers and separate services such as bank cheques, periodic payments and transfers/deposits to other banks.

Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the Loan Offer. Fees and charges are payable.