Why property?
Explore our curated learning articles to understand how CommBank can support your property investment goals.
Want to invest in property?
Tools, calculators and home buying guides to help support your journey. Whether you’re looking to refinance to CommBank, upsize or downsize your home, invest, buy or sell your first home, we can help.
Shares vs property
Which investment suits you best?
Unlocking property investment potential
Amidst falling interest rates.
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.
Digi Home Loan
Unlock a low variable rate.
Unlimited additional repayments, with ability to redraw and one Everyday Offset account2.
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 account2. Only available online.
Standard Variable Rate
Save on interest by using up to 99 Everyday Offset accounts2.
Complete flexibility with multiple repayment options.
Access to Package benefits including a discounted interest rate3.
A competitive variable rate home loan with discounts tailored to you, plus access to offset and an extensive range of features.
Simple Home Loan
Save on interest while having the choice to link up to two Everyday Offset accounts2.
Unlimited additional repayments and redraws as well as the option to make Interest Only payments4.
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.
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.
Log in to NetBank to begin your home loan application. You'll be guided through questions to help tailor your options.
Book a free appointment with a lending specialist to explore your options and get personalised support - even if you’re not a customer yet.
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 fee2
- $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.
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 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.
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.