Buy my Next Home

HomeStart is not just for first home buyers – we'll do everything we can to help find a solution for you. If you are looking to upgrade, downsize, or something in between, if you're starting over after a separation or the kids have left home, we provide affordable home ownership solutions to people in all stages of life. Find out more about our loans with the easy loan chart.

I want to refinance

If you're a home buyer and want to refinance, HomeStart could have the right option for you. When you refinance with HomeStart, you can access all the benefits of our loans – including our Repayment Safeguard which breaks the link between interest rates and repayment amount.

I'm moving home

As a HomeStart customer, if you sell your current home and buy another one at the same time, you can use our Portability option.  If you need some time between when you sell and buy the next place, our Bridging Loan could be the solution for you.

I'm starting over

If your circumstances have changed and you're re-entering the housing market, HomeStart will work with you to find the best option – even if you're not sure that you have saved enough for a deposit.

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

Read more about these benefits

Tell me more

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