Investing & Super Investing & Super Popular searches Travel insurance Travel insurance Foreign exchange calculator Foreign exchange calculator Discharge/ Refinance authority form Discharge/ Refinance authority form Activate a CommBank card Activate a CommBank card Interest rates & fees Interest rates & fees CommBank home loans includes a range of variable rate loans, a fixed rate loan, offset account options and digital application pathways for owner-occupiers, investors, refinancers and first home buyers. Get started Book an appointment Why choose CommBank? Personalised rates & special discounts Apply online or book an appointment for a new loan and see if you're eligible for a lower interest rate and fee waiver on your CommBank credit card 1 Flexible loan features & borrowing options Flexible features such as offset , redraw , rate-lock , splitting , top-ups, interest-only options, and weekly or fortnightly repayments can help you own your home, your way. Explore more ways to buy your home, including bridging loans, construction loans , property share options, and government schemes . More ways to save with CommBank Eligible customers could get up to $1320 cashback from CommBank Yello over the first five years of their home loan 11 . Save even more on NBN, mobile, electricity & Conveyancing with our partners More, Amber & Home In. Smart tools & insights Save your calculations and track your application with Buy a home in the CommBank app. Get ahead of the game with property insights powered by Cotality. A home loan Australians choose. 1 in 5 customers chooses CommBank for their home loan. 20 Get into your first home sooner. Over 5x low-deposit options designed to help first home buyers enter the market faster. 21 Expert help, wherever you are. Get guidance from one of over 1,400 Home Lending Specialists across Australia. 22 Helping more first home buyers succeed. Supporting more than 80,000 first home buyers into home ownership. 23 Choose a home loan that’s right for you Earn up to 300,000 Qantas Points + when you apply for a Digi Home Loan. A low variable rate when you apply online. Earn up to 300,000 Qantas Points + with a CommBank Digi Home Loan. Unlimited additional repayments, with ability to redraw and one Everyday Offset account. Easily apply in minutes using the CommBank app and manage your home loan online. A digital home loan with a low variable rate and access to one Everyday Offset account. Only available online. Standard Variable Rate Standard Variable Rate Apply online and get at least 0.10% p.a. off the advertised rate ++ on eligible Standard Variable Rate home loans with a minimum loan balance of $150,000. Save on interest by using up to 99 Everyday Offset accounts. Complete flexibility with multiple repayment options . Access to Package benefits including a discounted interest rate 1 . A competitive variable rate home loan with discounts tailored to you, plus access to offset and an extensive range of features. Simple Home Loan Simple Home Loan Apply online and get at least 0.10% p.a. off the advertised rate ++ on eligible Simple home loans with a minimum loan balance of $150,000. Save on interest while having the choice to link up to two Everyday Offset accounts. Unlimited additional repayments and redraws as well as the option to make Interest Only payments. Negotiate your rate with a Home Lending specialist when you apply for a Simple Home Loan. A simple home loan with a competitive variable rate and the choice to access two offset accounts. See all home loan types Help me choose a home loan We'll ask you a few questions so we can help you find a home loan Start your home buying journey with us today Book time with a lender instantly 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. Book an appointment Apply for conditional pre-approval Submit online in as little as 10 minutes. A home lending specialist will call to assess your application and if eligible, you could receive conditional pre-approval within 1 day. Get started Book time with a lender instantly 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. Book an appointment Apply for conditional pre-approval Submit online in as little as 10 minutes. A home lending specialist will call to assess your application and if eligible, you could receive conditional pre-approval within 1 day. Get started Apply for conditional pre-approval Submit online in as little as 10 minutes. A home lending specialist will call to assess your application and if eligible, you could receive conditional pre-approval within 1 day. Explore different life stages Support at every step Low deposit options Low deposit options Saving a 20% deposit can be difficult, but at CommBank may not have to wait. There are various low deposit home loan options that could help achieve your home ownership goals. Home loan offers Home loan offers Take a look at our current home loan offers that could help with your new, existing or next property. Home loan guides & tips Home loan guides & tips Information, guides and tools to help you along the path of the Australian property dream. Home loan support & FAQs Home loan support & FAQs See what options are available to home loan customers needing financial assistance. Message us 24/7 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. Get the home loans Key Facts Sheet To generate a Key Facts Sheet for our home loans, please visit our Repayments Calculator. Get Key Facts Sheet Get the home loans Key Facts Sheet To generate a Key Facts Sheet for our home loans, please visit our Repayments Calculator. Get Key Facts Sheet To generate a Key Facts Sheet for our home loans, please visit our Repayments Calculator. Get Key Facts Sheet Additional information Borrowing options & add-ons Property share Lenders’ Mortgage Insurance Guarantor support Bridging finance Interest offset FAQs What is a home loan redraw facility? How is interest calculated on my home loan? How long will it take for my home loan application to be processed? How do I complete the discharge/refinance authority? 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Guarantor support Bridging finance Interest offset FAQs What is a home loan redraw facility? How is interest calculated on my home loan? How long will it take for my home loan application to be processed? How do I complete the discharge/refinance authority? Property guides Renovating your home Buying your next home Refinancing your home Investing in property Buying your first home Selling a property Building your home Property insights What is a home loan redraw facility? How is interest calculated on my home loan? How long will it take for my home loan application to be processed? How do I complete the discharge/refinance authority? Property guides Renovating your home Buying your next home Refinancing your home Investing in property Buying your first home Selling a property Building your home Property insights Property guides Renovating your home Buying your next home Refinancing your home Investing in property Buying your first home Selling a property Building your home Property insights Was the information on this page useful? Thanks for your feedback. Have a suggestion? Please help us improve . We're here to help Book an appointment Book instantly to speak to a Home Loan Specialist at a time that suits you. Book an appointment Book instantly to speak to a Home Loan Specialist at a time that suits you. Manage your loan online Redraw, change your repayments or loan type to better meet your needs and more. Manage your loan online Redraw, change your repayments or loan type to better meet your needs and more. Contact us Fast-track your call, see expected wait times and connect with a specialist in the CommBank app. Fast-track your call, see expected wait times and connect with a specialist in the CommBank app. Message us Get instant help from our virtual assistant or chat to a specialist. Get instant help from our virtual assistant or chat to a specialist. Things you should know + To be eligible for this offer, a loan must meet the following criteria (Eligible Home Loan): Loan application is for a new CommBank Digi Home Loan only, submitted between 1 September 2025 and 30 September 2026 inclusive. Be submitted online directly via CommBank.com.au, NetBank or the CommBank app. (Loan applications made by Brokers are not eligible.) Loan Purpose is for owner-occupier or investment property purchase or refinance from a financial institution other than CommBank. CommBank customers with an existing CommBank home loan are not eligible to refinance their home loan with this offer. The Digi Home Loan is not available for off the plan purchases, the purchase of land, building and construction loans, or bridging loans. The application is either in sole or joint names. (Applications from Companies or Trusts are not eligible. Maximum of two applicants per application) A minimum loan amount of $300,000 with a Loan to Valuation Ratio (LVR) of 80% or less. The loan must be settled 31 December 2026. If you have not settled your home loan within 90 days of receiving pre-approval, your application will need to be refreshed by a CommBank lender to be able to retain your original submission date for the purpose of maintaining eligibility for the offer. If, at any time during the offer period, the customer changes their application from a CommBank Digi Home Loan to another home loan product they will no longer be eligible for the Qantas Points offer. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. If an applicant is not a Qantas Frequent Flyer member, they can join for free here . Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms The application must include the Qantas Frequent Flyer membership number and corresponding last name attached to the Qantas Frequent Flyer account, to whom the Qantas Points will be awarded if eligibility is met. In the case of joint applications, the applicants must nominate one of the co-borrowers to be the recipient of the Qantas Points. The Qantas Frequent Flyer membership number must be added to the loan application prior to settlement, to be eligible for Qantas Points. The membership number can be added as part of the loan application or after submission via the CommBank Digi Home Loan App Tracker. The Qantas Frequent Flyer member nominated to receive Qantas Points cannot have earned Qantas Points on a CommBank Digi Home Loan offer previously. A member can have multiple CommBank Digi Home loans, including joint applications, however they will only be eligible for Qantas Points once. If the above conditions are met, Qantas Points will be awarded as follows: 100,000 Qantas Points for loans between $300,000 and $499,999 200,000 Qantas Points for loans between $500,000 and $999,999 300,000 Qantas Points for loans of $1,000,000 or more. The Qantas Points will be credited to the nominated member’s Qantas Frequent Flyer account within 30 days of settlement and will appear on the nominated member’s Points Activity Statement as ‘CommBank Digi Home Loan’. Qantas Points will not be awarded if the loan is in arrears or default, or any of the borrowers are receiving financial hardship relief or assistance at the time of crediting the points. You should consider whether the Qantas Points will result in any tax implications for you. We suggest you seek independent advice from your accountant or tax adviser if you are uncertain of the tax implications to you. This offer cannot be used in conjunction with any other advertised or promotional offer. We reserve the right to close or vary this offer at any time. Home loans issued by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945. Commonwealth Bank of Australia pays Qantas for Qantas Points issued in relation to this offer. Approval and loan limit are subject to Commonwealth Bank of Australia’s credit assessment criteria. Information, including interest rates and fees, are subject to change. Terms, conditions, fees, charges, lending and eligibility criteria apply. The target market for this product will be found within the product's Target Market Determination, available at commbank.com.au/tmd . 1 Wealth Package benefits apply to eligible home loans or line of credits, including any new Standard Variable Rate and Fixed Rate home loans originated on and from 14 March 2026. 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 applicable product guide and Consumer Mortgage Lending Products 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 We Money - Property Innovation of the Year Award (2024), Customer Service Excellence Award - Customer Service Organization of the Year: Small (2023), Finder Innovation Awards - Best Online Customer Service Innovation (2023). 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. 6 The offer of a $25 discount off the Recommended Retail Price (RRP) per month on a More nbn® plan for 36 months is available to eligible CommBank customers who sign-up for a new More nbn® plan via the website by 31 March 2027 by completing ConnectID® verification, and using a CommBank credit or debit card at checkout, or for select customers who are notified of their eligibility to apply the offer to an existing More nbn® service via the More customer Portal and who complete ConnectID® verification by 31 March 2027. If you are eligible to apply the 36-month discount to your existing service, you will be notified of your eligibility by More, and this option will be available to you in the More Customer Portal. Not all services and customers are eligible to have the discount applied to an existing service. Eligible CommBank customers may also receive a one-time $25 discount off the RRP of a single Wi-Fi router pack when purchased in the same transaction as a new More nbn® plan. CommBank customers can receive a CommBank discount on a maximum of 2 nbn® services and 2 Wi-Fi router packs per More account (whether under this offer or any other More nbn® offer that has been or may become available to you). Wi-Fi routers available under this offer are as set out on the More website from time to time and are subject to change without notice. To maintain this offer, you must continue to pay for your discounted More nbn® plan with an eligible CommBank online bill payment method. Offer does not apply to additional services, charges or usage outside those that are included with your base monthly plan. The 36 months discount period commences from the day that your nbn® service is activated for new More nbn® services, or from the next billing period after the offer is applied to an eligible existing More nbn® service via the More customer Portal. After this, your plan will revert to the RRP current at that time, subject to an ongoing monthly discount of $10 per month off the RRP so long as you use an eligible CommBank debit or credit card as your online bill payment method. The RRP of More nbn® plans are available on the More website and are subject to change in accordance with More’s Standard Form of Agreement. CommBank and More reserve the right to vary, update or remove this offer at any time. Read full Terms and Conditions for the offer, More's Standard Form of Agreement and policies on More’s website 7 Multiple offsets only allowed with eligible Standard Variable Rate home loans. 8 You can link one Everyday Offset account to each eligible Digi Home Loan and up to two Everyday Offset accounts to each eligible Simple Home Loan. An offset feature fee will apply, see ‘Fees we charge for consumer mortgage lending products' . 11 To receive this CommBank Yello benefit, you must meet the ongoing eligibility requirements for the CommBank Yello Gold or CommBank Yello Diamond tier. Ongoing eligibility criteria applies for CommBank Yello, for full terms and conditions and information on benefits, visit commbank.com.au/commbankyello. ** This offer is valid from 6 May 2025. To secure the offer you will need to engage the services of a Home-in partner law firm via the Home-in app on or after this date. If you engaged the services of a Home-in partner law firm via the Home-in app before this date, you are not eligible for this offer. This offer cannot be combined with other Home-in offers. This offer is only available to CommBank customers who meet the following criteria: (a) have an eligible CommBank transaction account: Smart Access, Complete Access, Everyday Offset, Pensioner Security (excluding Pensioner Security Passbook accounts) or Private Bank Account; and (b) fund an eligible residential property purchase with a CommBank home loan; and (c) settle this property purchase using the in-app legal services provided through Home-in. This offer only applies to buy-side conveyancing services for residential property purchases in Australia. Home-in does not offer conveyancing services for the purchase of off-the-plan, rural/agricultural, retail or commercial properties, or properties with a purchase price in excess of $5,000,000. Additional fees apply to conveyancing services in respect of complex titles (such as old system, leasehold and company titles), which are excluded from this offer. 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. If you settle on a property without meeting the eligibility criteria, this offer will not apply and you will be required to pay the standard list price for your conveyancing services. If you do not ultimately settle on a property purchase with Home-in within 6 months of your first contract review, any disbursements, contract review fees and ancillary service fees incurred will become payable to Home-in at the standard list price. The $699 (including GST) offer includes the following conveyancing services: one standard contract review, reasonable negotiation with the vendor’s solicitor, preparation of documents and figures required for settlement and electronic or paper settlement for your property. Disbursements are additional and charged at cost. For some property purchases, you may require or request additional services for which we charge a professional fee, such as expedited settlement or usage of a trust account. Find out more about Home-in's pricing by visiting home-in.com.au/pricing. Home-in reserves the right to terminate the offer and change the pricing at any time. 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. ~ 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 15 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 . ++ Discount applies to advertised rates and may differ from pricing available through other channels. Discount margin offers are subject to change. Terms, conditions, fees, charges, lending and eligibility criteria apply. Offer is available for new lending over $150,000 for Standard Variable Rate and Simple Home Loan when you apply online. Rates are subject to change and the discount margin offer may be withdrawn at any time. 20 Figure based on CommBank’s 20.54% Australian Prudential Regulation Authority (APRA) market share as of June 2026 (includes Unloan; excludes RMG). 21 Includes Australian Government 5% Deposit Scheme, Australian Government Help to Buy Scheme, Lenders Mortgage Insurance (LMI), Low Deposit Premium (LDP), and Guarantor Support. 22 Data reflects CommBank branch, mobile and direct Home Lending Specialists in Australia as of 30/06/2026. Excludes Premier Banking, Business Home Lending and Private Banking specialists. 23 Data represents home ownership through Australian Government 5% Deposit Scheme backbook as at 30/06/2026. + To be eligible for this offer, a loan must meet the following criteria (Eligible Home Loan): Loan application is for a new CommBank Digi Home Loan only, submitted between 1 September 2025 and 30 September 2026 inclusive. Be submitted online directly via CommBank.com.au, NetBank or the CommBank app. (Loan applications made by Brokers are not eligible.) Loan Purpose is for owner-occupier or investment property purchase or refinance from a financial institution other than CommBank. CommBank customers with an existing CommBank home loan are not eligible to refinance their home loan with this offer. The Digi Home Loan is not available for off the plan purchases, the purchase of land, building and construction loans, or bridging loans. The application is either in sole or joint names. (Applications from Companies or Trusts are not eligible. Maximum of two applicants per application) A minimum loan amount of $300,000 with a Loan to Valuation Ratio (LVR) of 80% or less. The loan must be settled 31 December 2026. If you have not settled your home loan within 90 days of receiving pre-approval, your application will need to be refreshed by a CommBank lender to be able to retain your original submission date for the purpose of maintaining eligibility for the offer. If, at any time during the offer period, the customer changes their application from a CommBank Digi Home Loan to another home loan product they will no longer be eligible for the Qantas Points offer. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. If an applicant is not a Qantas Frequent Flyer member, they can join for free here . Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms The application must include the Qantas Frequent Flyer membership number and corresponding last name attached to the Qantas Frequent Flyer account, to whom the Qantas Points will be awarded if eligibility is met. In the case of joint applications, the applicants must nominate one of the co-borrowers to be the recipient of the Qantas Points. The Qantas Frequent Flyer membership number must be added to the loan application prior to settlement, to be eligible for Qantas Points. The membership number can be added as part of the loan application or after submission via the CommBank Digi Home Loan App Tracker. The Qantas Frequent Flyer member nominated to receive Qantas Points cannot have earned Qantas Points on a CommBank Digi Home Loan offer previously. A member can have multiple CommBank Digi Home loans, including joint applications, however they will only be eligible for Qantas Points once. If the above conditions are met, Qantas Points will be awarded as follows: 100,000 Qantas Points for loans between $300,000 and $499,999 200,000 Qantas Points for loans between $500,000 and $999,999 300,000 Qantas Points for loans of $1,000,000 or more. The Qantas Points will be credited to the nominated member’s Qantas Frequent Flyer account within 30 days of settlement and will appear on the nominated member’s Points Activity Statement as ‘CommBank Digi Home Loan’. Qantas Points will not be awarded if the loan is in arrears or default, or any of the borrowers are receiving financial hardship relief or assistance at the time of crediting the points. You should consider whether the Qantas Points will result in any tax implications for you. We suggest you seek independent advice from your accountant or tax adviser if you are uncertain of the tax implications to you. This offer cannot be used in conjunction with any other advertised or promotional offer. We reserve the right to close or vary this offer at any time. Home loans issued by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945. Commonwealth Bank of Australia pays Qantas for Qantas Points issued in relation to this offer. Approval and loan limit are subject to Commonwealth Bank of Australia’s credit assessment criteria. Information, including interest rates and fees, are subject to change. Terms, conditions, fees, charges, lending and eligibility criteria apply. The target market for this product will be found within the product's Target Market Determination, available at commbank.com.au/tmd . 1 Wealth Package benefits apply to eligible home loans or line of credits, including any new Standard Variable Rate and Fixed Rate home loans originated on and from 14 March 2026. 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 applicable product guide and Consumer Mortgage Lending Products 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 We Money - Property Innovation of the Year Award (2024), Customer Service Excellence Award - Customer Service Organization of the Year: Small (2023), Finder Innovation Awards - Best Online Customer Service Innovation (2023). 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. 6 The offer of a $25 discount off the Recommended Retail Price (RRP) per month on a More nbn® plan for 36 months is available to eligible CommBank customers who sign-up for a new More nbn® plan via the website by 31 March 2027 by completing ConnectID® verification, and using a CommBank credit or debit card at checkout, or for select customers who are notified of their eligibility to apply the offer to an existing More nbn® service via the More customer Portal and who complete ConnectID® verification by 31 March 2027. If you are eligible to apply the 36-month discount to your existing service, you will be notified of your eligibility by More, and this option will be available to you in the More Customer Portal. Not all services and customers are eligible to have the discount applied to an existing service. Eligible CommBank customers may also receive a one-time $25 discount off the RRP of a single Wi-Fi router pack when purchased in the same transaction as a new More nbn® plan. CommBank customers can receive a CommBank discount on a maximum of 2 nbn® services and 2 Wi-Fi router packs per More account (whether under this offer or any other More nbn® offer that has been or may become available to you). Wi-Fi routers available under this offer are as set out on the More website from time to time and are subject to change without notice. To maintain this offer, you must continue to pay for your discounted More nbn® plan with an eligible CommBank online bill payment method. Offer does not apply to additional services, charges or usage outside those that are included with your base monthly plan. The 36 months discount period commences from the day that your nbn® service is activated for new More nbn® services, or from the next billing period after the offer is applied to an eligible existing More nbn® service via the More customer Portal. After this, your plan will revert to the RRP current at that time, subject to an ongoing monthly discount of $10 per month off the RRP so long as you use an eligible CommBank debit or credit card as your online bill payment method. The RRP of More nbn® plans are available on the More website and are subject to change in accordance with More’s Standard Form of Agreement. CommBank and More reserve the right to vary, update or remove this offer at any time. Read full Terms and Conditions for the offer, More's Standard Form of Agreement and policies on More’s website 7 Multiple offsets only allowed with eligible Standard Variable Rate home loans. 8 You can link one Everyday Offset account to each eligible Digi Home Loan and up to two Everyday Offset accounts to each eligible Simple Home Loan. An offset feature fee will apply, see ‘Fees we charge for consumer mortgage lending products' . 11 To receive this CommBank Yello benefit, you must meet the ongoing eligibility requirements for the CommBank Yello Gold or CommBank Yello Diamond tier. Ongoing eligibility criteria applies for CommBank Yello, for full terms and conditions and information on benefits, visit commbank.com.au/commbankyello. ** This offer is valid from 6 May 2025. To secure the offer you will need to engage the services of a Home-in partner law firm via the Home-in app on or after this date. If you engaged the services of a Home-in partner law firm via the Home-in app before this date, you are not eligible for this offer. This offer cannot be combined with other Home-in offers. This offer is only available to CommBank customers who meet the following criteria: (a) have an eligible CommBank transaction account: Smart Access, Complete Access, Everyday Offset, Pensioner Security (excluding Pensioner Security Passbook accounts) or Private Bank Account; and (b) fund an eligible residential property purchase with a CommBank home loan; and (c) settle this property purchase using the in-app legal services provided through Home-in. This offer only applies to buy-side conveyancing services for residential property purchases in Australia. Home-in does not offer conveyancing services for the purchase of off-the-plan, rural/agricultural, retail or commercial properties, or properties with a purchase price in excess of $5,000,000. Additional fees apply to conveyancing services in respect of complex titles (such as old system, leasehold and company titles), which are excluded from this offer. 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. If you settle on a property without meeting the eligibility criteria, this offer will not apply and you will be required to pay the standard list price for your conveyancing services. If you do not ultimately settle on a property purchase with Home-in within 6 months of your first contract review, any disbursements, contract review fees and ancillary service fees incurred will become payable to Home-in at the standard list price. The $699 (including GST) offer includes the following conveyancing services: one standard contract review, reasonable negotiation with the vendor’s solicitor, preparation of documents and figures required for settlement and electronic or paper settlement for your property. Disbursements are additional and charged at cost. For some property purchases, you may require or request additional services for which we charge a professional fee, such as expedited settlement or usage of a trust account. Find out more about Home-in's pricing by visiting home-in.com.au/pricing. Home-in reserves the right to terminate the offer and change the pricing at any time. 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. ~ 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 15 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 . ++ Discount applies to advertised rates and may differ from pricing available through other channels. Discount margin offers are subject to change. Terms, conditions, fees, charges, lending and eligibility criteria apply. Offer is available for new lending over $150,000 for Standard Variable Rate and Simple Home Loan when you apply online. Rates are subject to change and the discount margin offer may be withdrawn at any time. 20 Figure based on CommBank’s 20.54% Australian Prudential Regulation Authority (APRA) market share as of June 2026 (includes Unloan; excludes RMG). 21 Includes Australian Government 5% Deposit Scheme, Australian Government Help to Buy Scheme, Lenders Mortgage Insurance (LMI), Low Deposit Premium (LDP), and Guarantor Support. 22 Data reflects CommBank branch, mobile and direct Home Lending Specialists in Australia as of 30/06/2026. Excludes Premier Banking, Business Home Lending and Private Banking specialists. 23 Data represents home ownership through Australian Government 5% Deposit Scheme backbook as at 30/06/2026.