CommBank
Digi Home Loan (Owner Occupied)
A digital home loan with a low variable rate
Home loansBank updated 23 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 6.09% · 6.22% comparison
- Max LVR
- 80%
- Annual fee
- $240
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 6
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableOwner Occupied with Interest Only payment type | Owner occupied · Interest only | — | ≤60% LVR | 6.58% | 6.42% | — |
| VariableOwner Occupied with Interest Only payment type | Owner occupied · Interest only | — | 60–70% LVR | 6.61% | 6.45% | — |
| VariableOwner Occupied with Interest Only payment type | Owner occupied · Interest only | — | 70–80% LVR | 6.63% | 6.47% | — |
| VariableOwner Occupied with Principal and Interest repayment type | Owner occupied · P&I | — | ≤60% LVR | 6.09% | 6.22% | — |
| VariableOwner Occupied with Principal and Interest repayment type | Owner occupied · P&I | — | 60–70% LVR | 6.12% | 6.25% | — |
| VariableOwner Occupied with Principal and Interest repayment type | Owner occupied · P&I | — | 70–80% LVR | 6.14% | 6.27% | — |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Voucher Fee | Enquiry | $12 | — | $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 L… |
| Paper Statement Fee | Event | $2.50 | — | 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. |
| Security Substitution Fee | Event | $300 | — | Payable if you ask us to substitute one of your securities with another. |
| Settlement Cheque Fee | Event | $30 | — | $30 per cheque. Payable if you require additional cheques (more than two) to fund/settle the loan. |
| Settlement Fee (Discharge) | Event | $350 | — | 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. |
| Stop Payment Notice Fee | Event | $15 | — | Payable if you ask us to stop payment on a cheque you have written. |
| Switching Fee | Event | $50 | — | Payable when switching your loan purpose, repayment type or product type. |
| Late Payment Fee | Late payment | $20 | 5 days after due | 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 ch… |
| Loan Service Fee | Periodic | $10 | Every 1 mo | Charged monthly to each Loan Account on the repayment due date. From 1 October 2026, this fee will not apply for new and existing customers. |
| Offset Feature Fee | Periodic | $10 | Every 1 mo | 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. From 1 October 2026, this fee will not apply… |
| Establishment Fee | Upfront | $300 | — | 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 pa… |
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital banking
- · 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 Inter…
- · 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 p…
- · This loan cannot be used for business purposes, off the plan purchases, purchase of land, building and construction loans or bridging loans.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: CITIZEN, PERMANENT_RESIDENT
- · Available to individuals
- · Amount $100,000 to no maximum
- · Maximum LVR 80%
- · Minimum balance $1,000
- · 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.
- · Applications for home loans are subject to the Bank's normal credit approval.
§ 06 — Run the numbers
Put this product through a calculator
Published by CommBank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.