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Commonwealth Bank home loans

The Commonwealth Bank has home loans for owner-occupiers and investors, and package loan options. Rates start from 6.59%.

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The Commonwealth Bank is the biggest of Australia's Big Four Banks. Check out the full table of Commonwealth Bank products below or read more about the lender and its loans.

Compare Commonwealth Bank home loans for April 2024

Compare Commonwealth Bank home loan products in the table below. You can also find more information on each individual product by clicking "More info".

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1 - 5 of 14
Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Principal & Interest 3Y Fixed5% min. depositOwner-occupier
Interest Rate
Comparison Rate
Application: $0
Ongoing: $395 p.a.
Monthly Payment
Principal & Interest30% min. depositOwner-occupier
Interest Rate
Comparison Rate
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Principal & Interest20% min. depositOwner-occupier
Interest Rate
Comparison Rate
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Interest only 1Y Fixed10% min. depositInvestment
Interest Rate
Comparison Rate
Application: $0
Ongoing: $395 p.a.
Monthly Payment
Interest only30% min. depositInvestment
Interest Rate
Comparison Rate
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Showing 5 of 14 results

CommBank key facts

  • The Commonwealth Bank is one of Australia's biggest lenders and has a very large range of home loan products, including package home loans with lots of extra features and simpler loans with just the basics.
  • The lender has a nationwide network of physical branches plus phone support and an app to manage repayments, spending and saving.
  • Beyond mortgages, Commonwealth Bank also offers savings accounts, transaction accounts and term deposits.

Commonwealth Bank mortgage features

The Commonwealth Bank has a range of mortgages for many types of borrowers. It offers loans for first home buyers, investors, those looking to refinance, and those who want to access their existing home equity.

Deposit sizeYou can borrow up to 95% with some Commonwealth Bank mortgages, including some very competitive rates. But many rates require larger deposits, so look carefully at each loan's LVR.
Offset account?Some Commonwealth Bank loans come with 100% offset accounts, but not all of them do so check carefully before applying.
Repayment optionsThe Commonwealth Bank's fixed and variable rate loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.
Package BenefitsCommBank's package home loans offer discounted mortgage rates and fee waivers on the loan and a credit card.

How do I apply for a Commonwealth Bank mortgage?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


Each Commonwealth Bank product has specific eligibility criteria, but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Commonwealth Bank, you are required to provide certain information, so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income. If you bank with CommBank already, you may be able to prove your income digitally.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

Lenders like the Commonwealth Bank

If you're interested in Australia's biggest banks, you can also compare loans from CommBank's Big Four rivals.

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26 Responses

    Default Gravatar
    SYEDFebruary 17, 2023


      RichardFebruary 20, 2023Finder

      Hi Syed,

      I suggest reaching out to the Commonwealth Bank directly if you want to refinance with this bank.

      All the best,

    Default Gravatar
    BevansOctober 27, 2022

    Hi my daughter (42) has a home loan with Westpac. Loan 300K over 30 yr. Current rate 5.5% variable. Has had issues with credit rating. If my wife an I act as guarantor $3m in assets would it help her lower the rate


      RebeccaNovember 11, 2022Finder

      Hi Bevans,

      Having a guarantor may be able to help your daughter secure a lower rate from some lenders. She can compare home loans with guarantor options here.

      Consulting a mortgage broker is also advisable to help her find the right finance option.

      All the best,

    Default Gravatar
    KenJuly 26, 2022

    How many NEW residential home mortgages are REGISTERED per annum per each of the four big banks, in particular the CBA?

    How many residential home mortgages are DISCHARGED per annum per each of the four big banks, in particular the CBA?

      RichardJuly 30, 2022Finder

      Hello Ken,

      Sorry, we don’t have that data available.

      All the best,

    Default Gravatar
    LizJune 7, 2022

    Im unable to find any information on Commbank about 2% single parent home loan? Can you provide information please or how I can make arrange a call? Do I just speak to Commbank loan expert?

      RichardJune 14, 2022Finder

      Hi Liz,

      If you’re referring to CommBank’s new Family Home Guarantee where single parents looking to buy their first home or re-enter the property market with a deposit of as little as 2%, you can learn more about it by visiting their website. You can also message them via the CommBank app or call them on 13 2224 to gather more information. Their lines are open during these times:

      Call about a new home loan: 8 am – 8 pm, 7 days

      Enquire about your current home loan:

      8 am – 7 pm, Monday – Friday
      9 am – 2 pm, Saturday

      Kind regards,

    Default Gravatar
    VioletOctober 1, 2015

    I am just wanting to know if Commonwealth allow a split family pledge? I have found a property I wish to buy and my parents and my parents in law would like to share the guarantee against the property, rather than putting the full amount up on their own. Is this possible? I have no other loans or credit cards, stable employment and a good credit history.

      MarcOctober 6, 2015Finder

      Hi Violet,
      thanks for the question.

      This will be decided on a case-by-case basis, so you might wish to contact CBA directly to find out if this would be something you would be able to do.

      I hope this helps,

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