Buy my First Home

Want to buy your first home but not sure where to start? Buying a home can bring real benefits, like the freedom to decorate the way you choose, the stability of staying in one place, and even the chance to build on your personal wealth and financial security.

At HomeStart, we'll do everything we can to help find a solution that suits you. Our loans come with great features like redraw, portability, fixed and split interest rates and home equity options. Find out more with our easy loan chart.

Features for first home buyers

• We can help you with your application for the Federal Government’s $7,000 First Home Owner Grant (FHOG) to put towards your home deposit and related purchase costs. Visit Revenue SA to find out more
• If you're a graduate, you may be able to borrow up to 100% of a property's value or purchase price with no deposit required, whichever is the lesser. All you need is proof that you have saved $1,000 over at least three months, or a minimum of 12 months satisfactory rental history, and enough to pay for loan fees and charges (which could be covered in part by FHOG). Use our borrowing calculator to find out more
• Our loans include a Repayment Safeguard which breaks the link between interest rates and repayment amount, giving you greater peace of mind.
  

5 reasons to choose HomeStart?

1. You could save thousands of dollars with no Lender's Mortgage Insurance
2. Manageable loan repayments with our unique Repayment Safeguard
3. Low deposit loans available
4. No monthly account keeping fees
5. HomeStart’s Repayment Holiday feature allows you to temporarily reduce or suspend your regular loan repayments

Tell me moreHow much can I borrow?

Terms, conditions and eligibility criteria apply.  Fees and charges are payable.