---
title: "Digi Home Loan (Owner Occupied) — CommBank"
description: "Home Loans from CommBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/commbank/products/c1d7e8ef741e45e5b013fa7d05574e80
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-30T01:15:04.000Z
---

# Digi Home Loan (Owner Occupied) — CommBank

> Home Loans from CommBank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

A digital home loan with a low variable rate

## At a glance

- **From (owner occupied):** 6.09% (6.22% comparison)

## Apply

Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/home-loans/ready-to-apply.html?anch_apply)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Owner Occupied with Principal and Interest repayment type) | 6.09% | 6.22% | LVR ≤60% |
| Variable (Owner Occupied with Principal and Interest repayment type) | 6.12% | 6.25% | LVR 60.01–70% |
| Variable (Owner Occupied with Principal and Interest repayment type) | 6.14% | 6.27% | LVR 70.01–80% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Owner Occupied with Interest Only payment type) | 6.58% | 6.42% | LVR ≤60% |
| Variable (Owner Occupied with Interest Only payment type) | 6.61% | 6.45% | LVR 60.01–70% |
| Variable (Owner Occupied with Interest Only payment type) | 6.63% | 6.47% | LVR 70.01–80% |

## 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 — 5 · 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. | Event | $2.50 |
| Settlement Fee (Discharge) — 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. | Event | $350.00 |
| Security Substitution Fee — Payable if you ask us to substitute one of your securities with another. | Event | $300.00 |
| Stop Payment Notice Fee — Payable if you ask us to stop payment on a cheque you have written. | Event | $15.00 |
| Voucher Fee — $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. | Enquiry | From $12.00 |
| Offset Feature Fee — Charged monthly · 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. | Ongoing | $10.00 |
| Switching Fee — Payable when switching your loan purpose, repayment type or product type. | Event | $50.00 |

## 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.**
- **This loan cannot be used for business purposes, off the plan purchases, purchase of land, building and construction loans or bridging loans.**
- **Offset account** (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** (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.)

## Eligibility

- **Individuals only** (Available to Individuals only (Companies and/or Family/Unit/Hybrid Trusts are excluded).)
- **Minimum age** — 18 years (Individuals 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_RESIDENT (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.)
- **Applications for home loans are subject to the Bank's normal credit approval.**

## Constraints

- **Minimum balance** — $1,000.00 (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.)
- **Minimum limit** — $100,000.00 (Minimum loan amount for new loans.)
- **Maximum LVR** — 80% (The total LVR for an existing and/or new Digi Home Loan cannot exceed 80% (subject to any postcode restrictions))

## More information from CommBank

- [Overview](https://www.commbank.com.au/content/dam/commbank-assets/home-buying/docs/008-078-digi-home-loan-fact-sheet.pdf)
- [Terms & conditions](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/utc-home-loan.pdf)
- [Eligibility](https://www.commbank.com.au/content/dam/commbank-assets/home-buying/docs/008-078-digi-home-loan-fact-sheet.pdf)
- [Fees & pricing](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/003-750.pdf)

## Data provenance

- Published by CommBank under the Consumer Data Right
- Product ID: `c1d7e8ef741e45e5b013fa7d05574e80`
- Last updated by the provider: 30 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/c1d7e8ef741e45e5b013fa7d05574e80
- Provider page: https://www.cdrcompare.au/brands/commbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000008

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/commbank/products/c1d7e8ef741e45e5b013fa7d05574e80) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)