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CommSec Adviser Services

Specialised Investment Products and Solutions


CALIA+ is a flexible all-in-one loan facility that enables the client to take advantage of the equity locked up in their home and other properties for both personal and wealth creation purposes.

Please note that we no longer accept CALIA+ applications and some product restrictions apply, including credit limit increases and changes to loan borrowers, underlying securities and loan terms.

For product support please contact the CAS team on 13 15 20.


A consolidated account statement is sent every month.

All clients can transact on their CALIA+ Variable sub-account via ATM, NetBank, EFTPOS, BPAY®, Telephone Banking, cheque book or at any Commonwealth Bank branch. Transactions on CALIA+ Fixed Loans are limited to the initial draw down and the final repayment. Transactions on CALIA+ Investment Loans can be conducted by contacting our Client Service team 13 15 20.

BPAY is registered to BPAY Pty Ltd ABN 69 079 137 51

A loan repayment from a Commonwealth Bank account can be transferred into a CALIA+ Variable Line of Credit via NetBank, Telephone Banking, or using a Commonwealth Bank ATM. Cash or cheque repayments can be deposited directly into the CALIA+ Variable Line of Credit at any Commonwealth Bank branch.

Clients can register for this service online by clicking here or by calling 13 22 21 (24 hours 7 days a week).

Credit limit increases are no longer available for this product.

In order to close the CALIA+ facility, please have your client complete and return a Discharge Authority form to release the security and provide instructions for the disbursement of funds.

If your client has an Investment Loan as part of the facility, then the Investment Loan must be closed before the Discharge can be approved.  Please complete an Investment Loan Closure Form and return to us as per the instructions on the form.


  • Complete online, download and print the Discharge Authority form;
  • Complete the Investment Loan Closure Form (if relevant)
  • Have all borrowers and guarantors sign;
  • Email to once completed; and
  • Do NOT send to the email address on the form itself, as the discharge must be approved by CommSec Adviser Services before it goes to the CommBank Discharge Team.

As the Discharge Authority Form is not specific to the CALIA+ Product, the form MUST list:

  1. Each CALIA+ Account and a confirmation of whether each account is to be closed or converted to a Smart Access Transactional Account with the same BSB & Account number.
  2. A Surplus Funds Bank account.
  3. A Settlement Fee Bank Account, which must have sufficient funds to pay the discharge fee of $250.00 and a third party Land Title Office release fee (which is unascertainable). This can be the same account as one of the above accounts.
  4. If there is a refinance or sale of property involved: the conveyancer or solicitor’s contact details for settlement, including:
    • Company Name
    • Contact details
    • Name of the person who will be booking settlement (please do not use the ‘Broker’ contact details, as brokers do not book settlements)
  5. If the loan has been paid in full and there is to be a discharge with no settlement: the CommBank Branch where the client would like to pick up the Title Deed, as it cannot be posted to the client directly. Please note that in states that use Electronic Titles under PEXA, paper titles may no longer be available.

This PDF contains the latest interest rates for CALIA+.      Download PDF

This PDF outlines the fees and charges associated with the CALIA+ facility.      Download PDF

Outlines key information about the provision of credit in relation to the National Credit Protection Act.       Download PDF

You should also read the CALIA+ Terms and Conditions and our Financial Services Guide (FSG) which provides you with information about us and services we can provide. In addition, you should read all relevant Product Disclosure Statements or disclosure documents available on our Forms page.