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Why property?

Explore our curated learning articles to understand how CommBank can support your property investment goals.

Find the right loan for your investment strategy

Whether you’re expanding your portfolio or buying your first investment property, CommBank offers flexible loan options to suit your goals.

Start your home loan journey today

Whether you’re ready to apply or just exploring your options, we’ve made it easy to take the next step towards your investment property goals.

Home loans issued by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945. 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. The target market for this product will be found within the product's Target Market Determination, available at commbank.com.au/tmd.

Rates & fees  

• $300 upfront establishment fee
• $10 monthly loan service fee ($10 monthly cashback if you meet CommBank Yello Gold or Diamond eligibility)²
• $10 monthly offset feature fee, if an Everyday Offset account is linked 
• $50 Switching fee applies per change, when switching your loan purpose, repayment type or product type

Other fees and charges may apply.

Interest Only payments available for up to five years for Owner Occupied Home Loans and up to 15 years for Investment Home Loans.

¹ Ongoing eligibility conditions apply; see commbank.com.au/commbankyello for more information and the full terms and conditions.

² An Everyday Offset account is available with an eligible variable rate home loan, and account holder/s must also be account holders of the linked home loan. You can link one Everyday Offset account to each eligible Digi Home Loan, and up to two for Simple Home Loans. An Offset Feature fee will apply. For Standard Variable Rate home loans, you can link up to 99 offset accounts at no additional cost. For more details, see ‘Fees we charge for consumer mortgage lending products'. Interest is not charged on that part of the Home Loan balance equal to the balance of the Everyday Offset account. Transaction Account terms and conditions are available from commbank.com.au and should be considered before making any decision. Fees and charges may apply. 

³ 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. 

⁴ Minimum $1,000 withdrawal with a $0 Redraw fee over the counter at any Commonwealth Bank branch and no minimum electronically with a $0 Redraw fee. Redraw is dependent on having the required amount available in special repayments (extra repayments).

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.