Help & support
*Digi Home Loan (Owner Occupied) for new borrowings with a Loan to Value ratio of 60% of less. Minimum new borrowings of $100,000. Comparison rate warning.
A low variable rate home loan available when you refinance online to CommBank from another financial institution.
Easily apply in minutes and download the CommBank app to proceed and manage your home loan online.
Unlimited additional repayments to help you save on interest and ability to redraw1
Eligible CommBank Yello Homeowner customers2 can get their loan service fee as cashback each month.
Additionally, eligible CommBank Yello Homeowner customers can also get, starting from the first anniversary of their Digi Home Loan, cashback (based on loan amount and number of years held) each month as a loyalty reward.
Interest rate
Comparison rate
6.15% p.a.
6.28% p.a.
6.17% p.a.
6.30% p.a.
6.19% p.a.
6.32% p.a.
The rates shown are for Principal and Interest repayments.4
Interest rate
Comparison rate
6.34% p.a.
6.47% p.a.
6.36% p.a.
6.49% p.a.
6.46% p.a.
6.59% p.a.
The rates shown are for Principal and Interest repayments.4
Start your home loan application online and if eligible receive a conditional approval in minutes.
The application should take about 10 minutes.
Select Digi Home Loan if this is your preferred loan product.
Once submitted, you’ll receive a decision online.
You can track your home loan application progress in Home Hub and connect with us through the CommBank app.
Once you’ve started (but not submitted) your Digi Home Loan application you can view it in the CommBank app. Search for Home Hub, go to ‘My Application’ and select ‘Resume’ to proceed.
If you need to make changes to a Digi Home Loan application you’ve already submitted, you can speak with an agent via messaging using the ‘Connect with us’ tile in Home Hub.
This product is for customers who are refinancing an external home loan to CommBank. You can borrow additional funds as part of your refinancing application as long you meet our credit policy and Digi Home Loan product conditions and eligibility criteria.
Yes you can, provided you meet the Digi Home Loan eligibility criteria.
This product is for customers who are refinancing an external home loan to CommBank and can only be applied for online.
We recommend that you complete your Digi Home Loan application prior to commencing another. Alternatively, you can choose to cancel your application for a Digi Home Loan and proceed with a different application through a lender-assisted channel of choice. Please note that if you proceed with a lender-assisted channel, this means you are not applying online and therefore Digi Home Loan will not be available.
Once you’ve submitted your application, you can get the support you need in the CommBank app. Simply search for Home Hub and select the ‘Connect with us’ tile to speak with us via messaging. You may wish to bookmark Home Hub to your CommBank app home screen.
You can track the status of your Digi Home Loan application using the App Tracker in Home Hub. Simply access the Home Hub tile from your CommBank app home screen. If you need assistance, speak with an Agent via messaging using the ‘Connect with us’ tile in Home Hub.
You can only return your verification documents online.
For applications that have been submitted but have not yet reached ‘Conditionally Approved’ status, you can upload supporting documents via the Home Hub in the CommBank App using the ‘My Application’ section.
For applications that have reached 'Conditionally Eligible’ status, you can upload supporting documents via Home Hub in the CommBank app using the ‘App Tracker’ tile.
Home loan documents will be issued to you digitally via NetBank and can also be accepted and signed digitally. However, in jurisdictions where documents cannot be issued or accepted digitally, you may return your loan documents to your nearest branch. If you need assistance, speak with an agent via Home Hub in the CommBank app using the ‘Connect with us’ tile.
Some home loan management activities are self-serve and can be completed online. If you want to keep track and manage your home loan, select your loan in NetBank or the CommBank app and select ‘Manage’. For changes to your Home Loan that you can’t self-serve online, you can contact us for support on 13 2224.
Please note fees may apply for assisted home loan management from 30 June 2025.
Yes, you can change your Direct Debit amount, frequency, date, account number and cancel a Direct Debit arrangement online. Simply log onto NetBank or the CommBank app, go to your loan and select ‘Manage’.
A Direct Debit arrangement cannot be set up without assistance. For support, please contact us on 13 2224
Yes, you can change your repayment type from Interest Only to Principal and Interest. Simply log onto NetBank or the CommBank app, go to your loan and select ‘Manage’.
To change from Principal and Interest to Interest Only, please contact us on 13 2224.
Please note fees may apply for assisted home loan management from 30 June 2025.
Yes, you can transfer the loan purpose from Investor to Owner Occupied or vice versa.
To initiate a loan purpose transfer, please contact us on 13 2224.
Please note fees may apply for assisted home loan management from 30 June 2025.
Your Digi Home Loan has a redraw facility that enables you to access additional repayments made over and above the minimum required repayments. To access your redraw, log onto NetBank or the CommBank app and select your loan account.
Please note fees may apply for assisted home loan management from 30 June 2025.
You can access your statements at any time by logging onto NetBank or the CommBank app – simply go to your loan and select ‘Manage’.
Please note a paper statement fee of $2.50 may apply per statement if you opt out of electronic statements, ask us to print a statement or provide you with an ad-hoc statement.
Yes, you can switch from Digi Home Loan to a Standard Variable Rate home loan or Fixed Rate home loan. To switch, contact us on 13 2224.
Please note that from 30 June 2025, fees may apply for assisted home loan management.
No, you cannot switch an existing CommBank home loan to a Digi Home Loan.
Yes, you can complete a substitution of security on your Digi Home Loan.
As the Digi Home Loan is a digitally originated home loan product available through our online channels. Branch support is only available for customers who are unable to self-serve online.
Digital Hubs are also available in many of our branches, where you can log onto NetBank to self-serve your loan management activities online.
The best way to keep track and manage your home loan is to log onto NetBank or the CommBank app, select your Digi Home Loan and select manage to proceed. For assisted support, you can contact us on 13 2224.
Please note fees may apply for assisted home loan management from 30 June 2025
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1 Redraw is dependent on having the required amount available in special repayments (additional repayments). You can redraw available funds for free when done via CommBank app or NetBank, however a redraw fee may be applicable if you ask us via phone or in branch to support you with accessing your additional repayments (waived until 30 June 2025).
2 To receive CommBank Yello benefits, you must meet the ongoing eligibility requirements for the CommBank Yello Homeowner benefit set, including making at least 30 eligible transactions per month using an eligible CommBank transaction account or credit card. See commbank.com.au/commbankyello for full details.
3 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 five years for Owner Occupied Home Loans, so long as there is at least five years remaining on the Contracted Loan Term. We have different rates that apply, depending on whether you’re 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. Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the loan offer. Other fees and charges are payable.
4 The rates shown are interest rates for new borrowings with Principal and Interest repayments. For all our rates, including interest rates for Interest Only payments, see our Home Loan Interest Rates page.
** 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 five-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 target market for this product can be found within the product’s Target Market Determination.
