Whether you're starting out on your home ownership journey or starting over, we have a range of options that can help make it a reality.
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Low deposit home loans
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Additional loans to boost borrowing capacity
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Repayment Safeguard
We believe everyone deserves the chance to own their own home, and for 35 years we've been helping South Australians achieve that dream.
Low deposit home loans
Additional loans to boost borrowing capacity
Repayment Safeguard
Your loan statement is on the way. If you need help understanding it, our easy guide breaks down each term,
so you know exactly what everything means.
With the Repayment Safeguard, your repayments are based on what you can afford and stay the same even if interest rates go up or down.
With a HomeStart Loan, you can take the first step towards owning your home with as little as a 5% deposit to buy or 8% to build.
If you have a Certificate III or higher qualification, you can start with a 2% deposit to buy an existing home or 5% to build.
Begin your journey to owning a home with as little as 3% deposit to buy an existing home, so you can get into your home sooner.
When taking out a home loan with HomeStart, you also have the option of applying for an additional loan to help boost your overall home buying budget or help cover upfront costs, giving you more options.
Boost your budget by up to $70,000.
Boost your home buying budget by up to 25%.
Borrow up to $10,000 for upfront costs.
Once you’ve built up some equity in your home, HomeStart could help you unlock your equity to access funds with these additional loans.
If you’re 60 or over, you can unlock your home’s equity with a ‘no negative equity’ guarantee through our reverse mortgage loan. You can also make voluntary repayments and there are no monthly account keeping fees.
The Home Equity Loan helps you access up to $20,000 in equity in your home and is available to current HomeStart customers to fund house related or non-house related expenses.
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