Change your loan type

  • Fixed rate period ending? View your options

    • Explore loan features and benefits, and choose between a Fixed Rate and Standard Variable Rate.
    • In the CommBank app, go to your home loan, tap Manage, then select See loan type options in Manage loan section.
    • Some home loan types can’t be changed in NetBank, such as Interest Only loans. Contact us for any changes that you can’t make in NetBank.

    Read the switching T&Cs

    Switch in NetBank

  • Switch to a Fixed Rate loan in NetBank

    • In the CommBank app, go to your home loan, tap Manage, then select Fix or split your loan in the Manage loan section.
    • Some home loan types can’t be changed in NetBank, such as Interest Only loans. Contact us for any changes that you can’t make in NetBank.

    Read the switching T&Cs

    Switch in NetBank

How to refix your home loan online

If your Fixed Rate loan expires within the next 42 days, you may be able to request a new Fixed Rate home loan through NetBank.

Not available for all Fixed Rate home loans.

Refix in NetBank

1.

In NetBank, access your Fixed Rate home loan account.

2.

Find Manage your loan and choose See loan options.

3.

Compare your loan options and choose See more details.

4.

Review the new loan features, rate and repayment details.

5.

Read Things you should know and submit your request.

6.

We’ll update you on your request’s progress in NetBank.

How to switch your home loan from variable to fixed online

You can easily switch your existing home loan from variable to fixed in NetBank and the Commbank App.

How to switch your home loan from variable to fixed online

You can easily switch your existing home loan from variable to fixed in NetBank and the Commbank App.

Split your existing home loan

  • What is a split home loan?

    A split home loan is when you divide your loan into multiple parts – meaning you could nominate a portion of the loan to have a fixed interest rate, and the remainder to have a variable interest rate. How you decide to nominate the split of your loan is up to you.

    More about split loans

  • Split loan calculator

    See how splitting your home loan between fixed and variable interest rates could work for you.

    Calculate now

  • How to split your loan

    To see if your home loan is eligible for a split, you can use our switching matrix. If you think splitting your home loan might work for you, our home lending experts can help you work out what’s right for you.

    Split in NetBank

Top up & add-ons

  • Wealth Package

    Enjoy special discounts on selected loans and credit cards with our Wealth Package.

    Tell me more about Wealth Package

  • Increase your home loan (top up)

    If you’re planning renovations, want to consolidate your debts or simply need extra cash, borrowing additional money with your existing home loan could be the perfect solution.

    Top up your home loan

  • 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.

    Tell me more about offset

Switch repayment type

  • Interest Only vs Principal & Interest

    • Principal and interest repayments reduce your home loan balance and cover the interest owed each repayment. However, your minimum monthly repayment amount will be higher compared with an Interest Only loan
    • Interest-only payments will mean lower minimum monthly repayment amounts, but you'll pay more interest over the life of your loan

    Tell me more about repayment types

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  • Switch to a Principal & Interest home loan

    • To switch in NetBank, go to Settings and then select Change home loan repayment type.
    • To switch in the CommBank app, tap Accounts then choose your home loan. Tap Manage loan, then Repayments and select Change to Principal & Interest.

    Switch in NetBank

Tools & support

CommBank My Property redefines how you view, track and manage your home loan online to help you achieve your property goals.