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Estimated Property Value
Loan to Value Ratio (LVR) doesn’t impact interest rates for Fixed Rate home loans
All other rates have been updated in line with your #_LVR_VALUE_#% LVR and 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.
We can help you find the next best step on your home loan journey.
Understand how much you could borrow in just a couple of minutes.
Access market and property insights and ongoing support with a CommBank lender.
Turn your borrowing power into conditional approval so you can house hunt or refinance with confidence.
Some home loan types can’t be changed in NetBank, such as Interest Only. Call 13 2224 for any changes to your loan that you can’t make in NetBank.
You can also split your home loan and enjoy the best of fixed and variable.
To check your interest rate, log into NetBank or the CommBank app.
CommBank app:
NetBank:
$500 off conveyancing**
Home-in’s experienced team and secure, award-winning app will help guide you through the conveyancing process. Built by CommBank and trusted by thousands of Australian home buyers, receive real-time status updates, six-hour contract reviews, and one of the industry’s best on-day settlement rates.
$50 off every month on More nbn® plan for 3 years
Save on your internet bills for your home. If you’re pre-approved for a home loan of $250,000 or more and are ready to settle by 30 April 2025, you’ll get $50 off every month on a new More nbn® plan for 3 years.4
Self-employed business owner? Achieve your property goals with the help of our lending specialists.
Be rewarded as part of CommBank Yello, our customer recognition program, and you could receive benefits including prize draws, cashbacks and other offers while you bank with us.
Get 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.
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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.
Get instant help from our virtual assistant or chat to a specialist.
Please refer to our Home Loan Fact Sheets for details regarding our loans. The reference rate for your loan will depend on the repayment type you select – Principal and Interest or Interest Only. Interest Only period switches and extensions can be requested in both years and/or months via selected processes. The reference rate applicable for an Interest Only period applied in years and/or months will be the same as the Interest Only reference rate applicable to your loan type. Talk to your lender for more information. See rates for products no longer offered (PDF)
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. The current reference rates can be found here.
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.
** CommBank Exclusive Offer: You’re eligible for the offer if you 1) Settle on a property with a CommBank home loan, and 2) Use the in-app legal services provided through Home-in. This offer is only available through CommBank’s proprietary channels, it is not available to customers that originate through Bankwest, Unloan or a broker channel. To secure the offer you will need to engage the services of Home-in’s partner law firm via the Home-in app. 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.
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. 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.
4 CommBank has an ownership interest in More. More and CommBank have entered into a strategic alliance agreement. You should read More’s customer policies before making any decision about their service.
By clicking on any links directing to the More website and commencing the sign-up process, More will collect and handle your personal information under its collection notices and privacy policy as outlined on its website.
Offer of $50 off per month the Recommended Retail Price (RRP) of a More nbn plan for three years is for customers with conditional pre-approval of an eligible CommBank home loan who then find a property and fund $250,000 or more between 1 November 2024 and 30 April 2025. This new nbn offer is available to proprietary originated applications only. To receive this offer, you must then sign up for a new More nbn plan using a CommBank credit or debit card as your online bill payment method. You may sign up to any More nbn plan. If you choose to do this, you will be entitled to a discount which is equal to $50 off per month the RRP of a More nbn plan throughout the three-year period, provided you continue to satisfy all ongoing eligibility requirements. Once you’re ready to settle your eligible home loan by 30 April 2025, you should receive your unique offer code within 14 days. Limit of one offer code per borrowing entity (e.g. individual, joint borrowers, company) and per customer. Limit of one offer code per joint application. All offer codes issued in connection with this offer are valid until 31 October 2025. For full terms and conditions visit https://www.commbank.com.au/latest/partnerships/50-off-more-nbn.html.
~ 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.
# 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.
Rates are subject to change. Applications are subject to normal credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable.
* 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.
