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Flexible options for your home loan

Understanding my home loan

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

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

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

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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.

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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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Add-ons

Enjoy significant savings on borrowing, everyday banking and insurance services.

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Save thousands of dollars in interest and pay off your Home Loan faster with our Mortgage Interest Saver Account or our Complete Access account with the Everyday Offset feature.

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If your finances are tied up in investments or you’re waiting to sell your existing property, a deposit guarantee is a convenient and cost-effective alternative to using a cash deposit when buying a home.

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Choose from a range of home insurance, loan protection insurance and life insurance options.

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With a CommBank home loan, you may have the option to choose low-fee accounts to manage your home loan and day-to-day transactions.

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Gain access to your funds plus a fantastic rewards program with an Awards or Gold Awards credit card, and pay no fee for the first year.

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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 home loans

A fabulous resource for homebuyers, with articles, tools and advice to help you save money on your new home. 

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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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Finding your first property is easier if you do your homework and give yourself plenty of time to learn about the market in your desired area. 

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