Help & support
Get a competitive interest rate tailored to you – giving you the best deal for your situation, including special discounts and other benefits with Wealth Package.
Tailor your home loan to suit your needs and be ready for whatever life brings, with features like multiple offset accounts, redraw, split loans, top-ups, flexible repayments and repayment holidays.
Benefit from exclusive offers via our partnerships. Save on utilities for your home, and get access to Home-in, helping you to simplify your property purchase and save on conveyancing.
With Compassionate care, we can support you by paying your home loan repayments for around 12 months if an eligible owner occupied borrower, spouse or dependant becomes terminally ill or passes away.
Loan to value ratio (LVR) is the total amount you have borrowed for your loan as a percentage of your property value.
Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.
Interest Rate
% p.a.Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.
Borrowing $#_KEY_LOAN_AMOUNT_# over 30 years paying principal and interest.
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 answers from Ceba our virtual assistant, or connect with a specialist who can message you back. You’ll need notifications for the CommBank app 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.
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. 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.
~ Based on CBA Market share derived from APRA Monthly Authorised Deposit-taking Institution Statistics, other Regulatory system credit balance data and CBA data. Applications are subject to credit approval, conditions, fees and charges apply.
^ CommBank My Property won the 2019 ABA Winner for New Product Innovation in The Dubain 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.
