LENDER PROFILE
Commonwealth Bank (CBA)
Existing-client refinance · Large loans ($2M+)
Australia's largest retail bank. Deepest branch network, strongest long-term client stickiness. Halo's CBA positioning: existing-client refinance + large loans ($2M+) priority channel.
Policy notes updated 2026-04-10
Why CBA is "selective use" at Halo
CBA is the big-four bank best suited to clients with existing relationships. Its service chain is long (branch + app + private bank), and for clients already holding CBA deposits, credit cards, or prior loans, both approval speed and rate negotiation run 15-20% better than strangers. But brand-new clients get no policy advantage — approvals are often slower.
Policy snapshot
| Metric | CBA |
|---|---|
| Full-doc OO max LVR | 95% (FHG — LMI waived) |
| Investment max LVR | 90% |
| Alt-doc | Low-doc max 60% LVR (rarely used) |
| Overseas income shading | NZ/UK/US/HK/SG 80%, CN/IN/PH 60% |
| Typical decision | full-doc 7-10 days; complex 14-21 days |
| Serviceability buffer | 2.75% |
CBA doesn't champion alt-doc — send self-employed to Bendigo / Macquarie.
What Halo sees in the field
CBA's edge isn't speed — it's negotiation:
ProfileSenior couple · 30-yr CBA client · super + rental
Scenario$680k refinance ANZ → CBA, LVR 52%
结果CBA private banker approved 6.04% variable (standard 6.34%) — $8,250/yr saved
Matches with Halo products
- Halo Prime existing-client refinances go to CBA, new clients default to Bendigo
- Halo SMSF commercial LRBA prefers CBA (private channel is faster)
Next step
Check fit with Commonwealth Bank (CBA)
Drop your client profile into the Halo scenario tool — we'll tell you if this lender is the right call and how much they'll lend.
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