Digi Home Loan (Owner Occupied)

General Lending Rates

Product Variations

Product Features

• Extra Repayments Additional Information: You can make unlimited additional repayments (including the ability to pay the loan out early) without additional charge.

• Redraw Additional Information: Unlimited fee free redraw when done online through CommBank App or NetBank.

• Other Additional Information: You can switch your loan or repayment type, for example switching from a Digi Home Loan to a Standard Variable Rate or a Fixed Rate home loan or switch from Principal and Interest repayments to Interest Only payments.

• Digital Banking Additional Information: Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.

• Digital Banking Additional Information: Easily apply in minutes and download the CommBank app to proceed and manage your home loan online.

• Other Additional Information: This loan can be used for the purposes of purchases, refinancing your existing home loan from other financial institution, personal needs (e.g. home renovations, consolidation of personal debt) and personal investments other than cryptocurrency or digital assets.

• Other Additional Information: This loan cannot be used for business purposes, off the plan purchases, purchase of land, building and construction loans or bridging loans.

• Offset Additional Information: An Everyday Offset account is a transaction account that's linked to your Digi Home Loan or Investment home loan. Any money you put into your Everyday Offset account (e.g. your salary and savings) - whether its $2 or $20,000 - reduces the balance on which we charge interest. This means you'll only be paying interest on the difference. You can have up to one Everyday Offset account linked to one Digi Home Loan. A monthly Offset Feature fee applies. Only available for individual borrowers, not companies or trusts.

• Bonus Rewards Additional Information: Earn up to 300,000 Qantas Points with a new CommBank Digi Home Loan. Submit by 30 September 2026 and settle by 31 December 2026 to be eligible for the Qantas Points offer. Available online only. Minimum LVR, loan amount and other conditions apply.

Product Eligibility

• Natural Person Additional Information: Available to Individuals only (Companies and/or Family/Unit/Hybrid Trusts are excluded).

• Min Age - 18. Additional Information: Individuals must be 18 years of age or above

• Other Additional Information: Customers must have a loan to value ratio of no more than 80% (i.e. at least a 20% deposit), unless postcode restrictions apply which may require a higher deposit amount.

• Other Additional Information: Customers are comfortable to self-serve online, submit their Digi Home Loan application via online channels (e.g. NetBank and CommBank app), and use the CommBank app to complete the application.

• Other Additional Information: CBA home loan customers cannot switch or internally re-finance into a digital home loan product.

• Other Additional Information: Available only for customers purchasing or refinancing their loan from another financial institution to CommBank.

• Residency Status - Citizen, Permanent Resident. Additional Information: An individual living in Australia as: An Australian citizen, permanent resident or specified temporary Australian resident; New Zealand citizen; or overseas citizen co-borrowing with an Australian citizen or permanent resident. Or an individual living and working overseas as an Australian citizen or permanent resident.

• Other Additional Information: Applications for home loans are subject to the Bank's normal credit approval.

Bank Fees and Charges

• Establishment Fee (Upfront), Amount: Not Listed.. Additional Information: Payable to cover the costs the Bank incurs in establishing your loan and unless it is waived by us, is payable at the date of settlement or funding. It does not include other fees and charges also payable at the time of entering into the loan such as those associated with the settlement of the loan or the particular circumstances of the loan.

• Loan Service Fee (Periodic), Amount: Not Listed.. Additional Information: Charged monthly to each Loan Account on the repayment due date.

• Settlement Cheque Fee (Event), Amount: Not Listed.. Additional Information: $30 per cheque. Payable if you require additional cheques (more than two) to fund/settle the loan.

• Late Payment Fee (Late Payment), Amount: Not Listed.. Additional Information: For home loans - If your account falls into arrears, you will be charged a late payment fee. This fee is payable on the fifth business day after the monthly repayment due date. We will continue to charge the fee monthly until you repay all arrears or you enter into an arrangement with us for the full repayment of those arrears (even if you repay your loan weekly or fortnightly). If you break that arrangement the fee will continue to apply.

• Paper Statement Fee (Event), Amount: Not Listed.. Additional Information: Payable if you opt out of electronic statements and request bi-annual paper statements, ask us to print a statement or provide you with an ad-hoc paper statement.

• Settlement Fee (discharge) (Event), Amount: Not Listed.. Additional Information: Payable if you discharge the loan, i.e. either sell part or all of the Security Property or refinance your Loan with another credit provider.

• Security Substitution Fee (Event), Amount: Not Listed.. Additional Information: Payable if you ask us to substitute one of your securities with another.

• Stop Payment Notice Fee (Event), Amount: Not Listed.. Additional Information: Payable if you ask us to stop payment on a cheque you have written.

• Voucher Fee (Enquiry), Amount: Not Listed.. Additional Information: $4 per voucher (minimum charge $12) or $60 per hour spent to retrieve voucher(s). Payable if you ask us to retrieve a voucher (i.e. deposit, credit or debit slips) that records a transaction on the Loan Account.

• Offset Feature Fee (Periodic), Amount: Not Listed.. Additional Information: Payable monthly on the repayment due date if an Everyday Offset account is or has been linked to the Loan Account on any day during the repayment period.

• Switching Fee (Event), Amount: Not Listed.. Additional Information: Payable when switching your loan purpose, repayment type or product type.

 Limitations & Restrictions (Constraints)

• Min Balance of 1000.00 Additional Information: Minimum $1,000 withdrawal with a $15 Redraw fee payable if you ask us via phone or in branch to support you with accessing your Additional Repayments. This fee is waived until 30 June 2025. There is no minimum withdrawal amount when accessing redraw electronically and no fee.

• Min Limit of 100000.00 Additional Information: Minimum loan amount for new loans.

• Max Lvr of 0.80 Additional Information: The total LVR for an existing and/or new Digi Home Loan cannot exceed 80% (subject to any postcode restrictions)

Document Downloads

  008-078-digi-home-loan-fact-sheet.pdf (1.6 MB)
  utc-home-loan.pdf (626.4 KB)
  003-750.pdf (502.2 KB)
  digihomeloan-tmd.pdf (89.9 KB)
  home-loan-update-002842.pdf (125.7 KB)