Think you can’t afford to buy?

Start thinking positive

If you think that home ownership is out of reach, think again. At HomeStart, we help people get started in a home of their own – many of whom can’t get a loan with a mainstream lender.

In fact, since we started 22 years ago, we’ve helped more than 60,000 South Australians achieve their goals. If you can save and manage your debt, we could have a home loan option that makes all the difference for you.

I’m a first home buyer

With all those upfront costs like deposits and fees, many people are worried they’ll never get started. HomeStart offers options with deposit requirements from as little as 3%.

You could also avoid paying thousands in Lenders Mortgage Insurance (LMI). HomeStart charges a Loan Provision Charge instead of LMI, which is significantly less for most buyers.

I’m on a limited budget

If you’re worried about how you’d manage mortgage repayments if interest rates go up, HomeStart could be a good option. We break the link between interest rates and repayment amounts, which means in most cases, no matter what happens with interest rates, your repayment amount will only change once every 12 months. We also accept many Centrelink benefits as income when assessing your eligibility for a loan.

I’m starting again

Life changes, and many people can find themselves having to re-enter the housing market after a relationship breakdown. It can be hard to find the right home loan when you’re on a single income and feel your options are limited.

HomeStart can help with solutions such as our shared equity Breakthrough Loan, which can increase your borrowing capacity by up to 35%, without adding to your repayments.

These are just some of the options HomeStart has on offer to make home ownership possible for you, so why not contact us today and find out how we can help you get started?

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