Help us improve our website by completing a quick survey. Start survey now

You’ll need to update your browser so you can continue to log on to your online banking from 28th February. Update now.


Home loan features

Most popular features

Get conditionally pre-approved on the spot and take 6 months to shop. Shop with confidence for your dream home knowing that your finance is conditionally pre-approved~.

If you’re planning renovations, want to consolidate your debts or need to replace your car, unlocking additional equity in your home could be the perfect solution@.

Increase your existing home loan

Enjoy access to your over payments on your loan, quickly and conveniently^.

With over 1,000 branches and over 200 mobile bankers, we can help you get a home loan where and when it suits you. With NetBank you can manage your home loan online – it’s simple, convenient and secure.

Find a mobile banker

Other features

If you're unsure whether a variable or a fixed rate is right for you, consider the best of both worlds with a Split Loan. Enjoy less exposure and all the benefits with your chosen split of variable versus fixed interest.

If your needs change you can switch to a loan that suits you better with no switching fee*.

Our variable rate loans give you the ability to make unlimited additional repayments at any time. With a fixed rate loan you can pay an extra $10,000 a year at no cost. 

Learn more

Our Wealth Package is designed to reward you for banking with us, offering significant savings on borrowing, everyday banking and insurance services#.

Property Share let’s you co-own a property with friends and family, while retaining individual control of your finances. .

With Guarantor Support you can keep your costs down even if you haven't saved a 20% deposit.

Our Home Loan Rates

A home loan with absolutely no fees and a low interest rate. All you need is a 20% deposit or lenders mortgage insurance and a minimum loan amount of $150,000.


Already a customer banking online with us?

Save time by using your NetBank details.

Make appointment in NetBank

New customer or don't bank online with us?

Make an appointment online


No Fee Variable Rate (owner occupied)

Interest Rate4.67%PA

Comparison rate 4.67%PA

The above rates apply to owner occupied loans only. Rates for investment loans can be found in our Home Loan Update.

Help and Support

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.

home loan calculator

CommBank Property Guide app

With the CommBank Property Guide App, you can get information on more than 95% of residential properties in Australia, including recent sales, past sales history and current property listings^^.

Learn more
smart phones

CommBank Blog

For helpful home buying, selling and investing information, articles, tools and advice visit the CommBank Blog Property section. You can also sign up to receive the monthly email for the latest insights, simply subscribe below.

CommBank blog

Things to know before you can:

~ Provided the details initially agreed do not change, conditional pre-approval guarantees the amount you can borrow but not the interest rate. If you do not find a property and accept our formal loan offer within 90 days of the conditional pre-approval date, we will need to obtain from  you updated financials and confirm that the loan still meets your needs and financial objectives.

@ Top up not available on loans at a fixed or guaranteed rate. Minimum top up $10,000.

^ Applies to the amount in excess of required monthly repayments.

* An early repayment adjustment may apply if you switch from a fixed rate loan. Refer to Switching Terms and Conditions for more information including details of available switching options.

# Wealth Package/Mortgage Advantage requires $150,000 in total home lending and an annual fee of $395 applies.

**Excludes other subsidiaries and brands and applications for Home Seeker conditionally pre-approved home loans. We reserve the right to terminate this offer at any time. Offer involves discounting our standard 1-5 year fixed rates where necessary. Interest rate discount applies to relevant reference interest rate until loan is switched to another loan type or the initial fixed rate period expires. The interest rate (but not the discount) included in the letter of offer may change. The guarantee applies at the time of application only and excludes any subsequent rate changes. If your loan is a 1–5 year fixed rate loan, Rate Lock allows you to lock in the interest rate for a period of 90 days effective from the date we process your request. A Rate Lock fee applies. Eligibility criteria and other conditions may apply to some loans. Guarantee does not apply if a competitor’s advertisement contains an error and the Bank reserves the right to verify the availability of any advertised rate.

^^ Please note that due to Victoria's state laws, sales data is only available on 40% of properties.

Comparison rates are calculated on the basis of secured credit of $150,000 over a 25 year term. WARNING: This 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.

Important Information: Flexible home loan features not available on all loans. Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. 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.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and Android and trademarks of Google Inc.