Digi Home Loan (Investment)
A digital home loan with a low variable rate
- From (investment)
- 6.19%
- 6.32% comparison
Interest Rates
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Investment with Principal and Interest repayment type | 6.19% | 6.32% | LVR |
| Variable Investment with Principal and Interest repayment type | 6.24% | 6.37% | LVR |
| Variable Investment with Principal and Interest repayment type | 6.29% | 6.42% | LVR |
Investment — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Investment with Interest Only payment type | 6.45% | 6.42% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment fee 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. | Upfront | $300.00 |
| Loan Service Fee Charged monthly · Charged monthly to each Loan Account on the repayment due date. | Ongoing | $10.00 |
| Settlement Cheque Fee $30 per cheque. Payable if you require additional cheques (more than two) to fund / settle the loan. | Event | $30.00 |
| Late Payment Fee 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. | Late payment | $20.00 |
| Paper Statement Fee 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. |
Features
- Extra repayments
- You can make unlimited additional repayments (including the ability to pay the loan out early) without additional charge.
- Redraw facility
- Unlimited fee free redraw when done online through CommBank App or NetBank.
- 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
- 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
- Easily apply in minutes and download the CommBank app to proceed and manage your home loan online.
- 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.
Eligibility
- Individuals onlyAvailable to Individuals only (Companies and/or Family/Unit/Hybrid Trusts are excluded).
- Minimum age — 18 yearsIndividuals must be 18 years of age or above
- 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.
- 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.
- CBA home loan customers cannot switch or internally re-finance into a digital home loan product.
- Available only for customers purchasing or refinancing their loan from another financial institution to CommBank.
- Residency status — CITIZEN, PERMANENT_RESIDENTAn 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.
- Applications for home loans are subject to the Bank's normal credit approval.
Constraints
- Minimum balance — $1,000.00Minimum $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.
- Minimum limit
More Information
Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID b071254b466a420ea2ae755d9fc02141 · View on CDR.gov.au