Help & support
RBA holds cash rate
Get a competitive interest rate tailored to you – giving you the best deal for your situation, including special discounts and other benefits with a Wealth Package.1
Get access to all the tools and guidance you need in one place in Home Hub within the CommBank app.
Adapt your home loan to suit your needs by changing your repayment date, amount or frequency online, or by easily fixing, splitting or changing your loan type.
Make your money work harder by saving on interest and paying off your home loan sooner with multiple offsets with no set-up fee.
As part of CommBank Yello, our customer recognition program, you could receive benefits including prize draws, cashbacks and other discounts. Plus access fast conveyancing contract reviews with Home-in, savings on nbn® and mobile plans with More and other exclusive offers.
Use your income and expenses to estimate how much you may be able to borrow for a home loan.
Estimate the other costs of buying a property, including government costs, stamp duty, and fees.
Find out what your home loan repayments could be, estimate how much you could borrow, refinance and more.
Standard Variable Rate home loan
Home buying support for business owners
Self-employed business owner? Achieve your property goals with the help of our lending specialists.
Everyday Offset
Small changes now can mean big differences later to how much of your home loan you end up repaying.
Knowing where to start can be the biggest hurdle. The right tools and support will get you moving with a little more confidence.
Things may be a little different the second time around. We’ve got the tools and support to help you get moving.
Estimated Property Value
Loan to Value Ratio (LVR) does not impact Fixed Rate.
All other rates have been updated in line with your #_LVR_VALUE_#% LVR. Your rates could improve with a lower LVR.
Show Wealth Package on Standard Variable Rate and Fixed Rate products
Enjoy discounts on eligible home loans and a fee waiver on one eligible credit card per package, in exchange for an annual fee.
Get the most from your home loan application process and book time with a Home Lending Specialist at a time and place that suits you.
Start your home loan or refinance application online and if eligible receive a conditional approval in minutes.
Get the tools to save on energy. Switch to solar with a CommBank Green Loan. The CommBank Green Loan is a 10-year secured fixed rate loan designed for existing, eligible home loan customers to buy and install clean energy products such as solar panels, battery packs and solar hot water systems.
Information, guides and tools to help you achieve your property dreams.
See what options are available to home loan customers needing financial assistance.
Get instant help from Ceba in the CommBank app or connect with a specialist who can message you back. You’ll need CommBank app notifications turned on so you know when you’ve received a reply.
To generate a Key Facts Sheet for our home loans, please visit our Repayments Calculator.
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Book instantly to speak to a Home Loan Specialist at a time that suits you.
Redraw, change your repayments or loan type to better meet your needs and more.
Fast-track your call, see expected wait times and connect with a specialist in the CommBank app.
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1 To apply for a Wealth Package, you must have an eligible home loan or line of credit with an initial package lending balance of at least $150,000 at the time of your application. Package lending balance is the sum of the account balance of eligible home lending accounts and the credit limit of Viridian Line of Credit accounts that you have with us at the time you apply for Wealth Package. Eligible home loans include: Standard Variable Rate home loan, Fixed Rate home loans and Viridian Line of Credit. A non-refundable annual fee of $395 is payable in advance. The package can be established in the name of one or two individual’s name/s, or in the name of a corporate entity. It cannot be established in the name of a business or family investment trust. Please refer to the Wealth Package Fact Sheet and Package Terms and Conditions for full details.
2 Rate/s apply to new lending only and may include a margin below or above the applicable reference rate. View current reference rates
3 At the end of the fixed rate period, the interest rate converts to the applicable Standard Variable Rate relevant to your loan purpose and repayment type at that time, less any applicable package discount specified in your Loan Contract.
4 Contracts are reviewed within six business hours 95% of the time (October 2023). To ensure contracts are reviewed within six business hours, customers must upload the entire contract within the Home-in app.
5 Home-in has one of the highest on-time settlement rates in the industry with 95% of Home-in customers settling on time in 2023.
* You’re eligible for the offer if you 1) Click ‘Access exclusive offer’ to sign up and use the in-app legal services provided through Home-in. To secure the offer you will need to engage the services of Home-in’s partner law firm via the Home-in app. Customers will receive one Contract Review at no cost. If you proceed to use the Home-in app to settle on your property, full conveyancing and disbursements are additional and charged at cost.
In conjunction to this offer, you may be eligible for an additional discount if you 1) Settle on a property with a CommBank home loan, and 2) Use the in-app legal services provided through Home-in. Eligible customers will receive a discount of $500 off the conveyancing fee, and disbursements are additional and charged at cost. Home-in reserves the right to terminate the offer and change the pricing at any time. Find out more about Home-in's pricing by visiting home-in.com.au/pricing
Home-in is a brand of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 trading as Home-in Digital. CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 (Cth) and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia. For information about privacy, see our Group Privacy Statement.
~ We charge the Rate Lock Fee when we process your request. It is therefore important that you have sufficient funds in your nominated account. The Rate Lock feature only applies to new Fixed Rate home loan and Fixed Rate Investment home loan applications. Rate Lock does not apply to Home Seekers, switching, splitting, top-ups, loan purpose transfers or repayment changes.
^ CommBank My Property won the 2019 ABA Winner for New Product Innovation in The Australian Brand Awards 2019.
# You can choose to pay Principal and Interest weekly, fortnightly, or monthly. Only monthly payments are available for Interest Only. 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, so long as there is at least 5 years remaining on the Contracted Loan Term. We have different rates that apply, depending on whether you are making Interest Only payments or Principal and Interest repayments. During an Interest Only period, your Interest Only payments won't reduce your loan balance unless you choose to make additional repayments. At the end of an Interest Only period, your repayments will increase to cover Principal and Interest components.
Information provided (including interest rates) are subject to change.
Calculations are estimates provided as a guide only. They assume interest rates don’t change over the life of the loan and are calculated on the rate that applies for the initial period of the loan. Interest rates referenced are current rates and may change at any time.
Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as establishment or monthly service fees or stamp duty). Lenders' Mortgage Insurance or a Low Deposit Premium may apply to your loan depending on the size of your deposit; security, applicant and loan attributes. This is a one-off cost and will be added to the loan amount. Any of these additional amounts will increase repayments under the loan.
We have different rates that apply, depending on whether you are making interest only payments or principal and interest repayments. During an interest only period, your interest only payments won't reduce your loan balance. At the end of an interest only period, your repayments will increase to cover principal and interest components.
* 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 Interest Only loans are based on an initial Interest Only period equal in length to the fixed 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.
Calculations are not a loan approval. Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Conditions apply to all loan options. Full terms and conditions will be set out in our loan offer, if an offer is made. Fees and charges are payable. Interest rates are subject to change. 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. You should also read our Financial Services Guide.
