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Commonwealth Bank home loans

As one of Australia’s largest banks and one of the biggest of the “Big 4”, Commonwealth Bank (CBA) doesn't always offer the lowest rates on the market, but is able to offer competitive home loan offers, including package deals with other financial products. 

CBA has a variety of home loans available at a range of different interest rates. As a general rule, owner-occupiers get lower interest rates than investors; principal-and-interest borrowers get lower interest rates than interest-only borrowers; and borrowers with lower LVRs get lower interest rates than borrowers with higher LVRs.

Commonwealth Bank also puts different prices on its variable interest rates and its fixed interest rates. CBA’s fixed rate mortgages are available for either one, two, three, four, five or seven year terms. As a general rule, the longer you want to fix, the higher the interest rate.

Mark Bristow
Mark Bristow

Personal Finance Editor

Content updated

Product data updated

Why choose Commonwealth Bank

Benefits

  • Package options available
  • Online banking portal and mobile banking options
  • Wide variety of home loan products available
  • One of the largest banks in Australia, giving you access to a large branch network and over 4000 ATMs Australia-wide

Drawbacks

  • Most loans charge both significant upfront fees as well as ongoing monthly fees
  • Interest rates may be higher than the market average on some loans

Commonwealth Bank Home Loans

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

Contact a mortgage broker

Commonwealth Bank home loans are available through brokers who can help find the right loan and manage your application at no charge.

broker profile picture

Arnab Baral

VIC3030
Australian Credit Licence: 384324
4.9
162 Google reviews

Get expert advice from a home loans specialist.

Arnab Baral is a distinguished Mortgage Broker at Cinch Loans, proudly serving the community across Australia. With a we...

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broker profile picture

Rick Sethi

VIC3108
Customer Representative Number: 478902
5.0
218 Google reviews

Get expert advice from a home loans specialist.

I'm delighted to extend a warm welcome and introduce myself as a seasoned mortgage broker with a profound passion for in...

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broker profile picture

Lee Tsiboukas

QLD4216
Customer Representative Number: 550725
5.0
13 Google reviews

Get expert advice from a home loans specialist.

Lee is a mortgage broker located on the Gold Coast in QLD, bringing over 15 years of experience in steering a Real Estat...

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.