Compare our home loans

Use our home loan comparison tool to see what could work for you.

Select the home loans you want to compare using the drop down selections. You can compare up to three of our home loans to help work out the best home loan for your situation.

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Please select only 3 loans to compare
Loan Name HomeStart Home Loan Breakthrough Loan Graduate Loan Low Deposit Loan Advantage Loan Wyatt Loan EquityStart Loan Seniors Equity Loan
Description HomeStart’s standard primary loan. Combined with a HomeStart primary loan, this is a shared appreciation loan that can increase borrowing power by up to 30%. A loan with lower deposit requirements, available to eligible graduates. A loan with lower deposit requirements, to help you get into your own home, sooner. Combined with a HomeStart primary loan, this loan tops up your borrowing power by up to $45K. Available to customers with a household income of up to $60K per year after tax. Combined with a HomeStart primary loan, this loan provides up to $10K to help cover fees, charges and may also cover deposit costs of up to 5% of the property’s value. Available to people with a net household income of $42,500K or less, who have lived in SA for 5 years and intend to remain in SA. Combined with a HomeStart primary loan, this loan provides public housing and community housing tenants a borrowing boost of up to $50K. This loan is commonly referred to as a 'reverse mortgage' and enables you, if 60 or over, to access your home's equity.
Deposit (may be higher in regional areas and for construction loans) From 5% N/A From 3% From 3% N/A N/A N/A Equity required dependent on age of youngest borrower (available in metro & selected regional areas)
Interest rate options variable N/A Interest free for 5 year term
Interest rate options Fixed N/A N/A N/A N/A N/A
Interest rate options Split N/A N/A N/A N/A N/A
Repayment Safeguard N/A N/A N/A N/A N/A
Buy or build Buy Only Buy only N/A
Voluntary repayments Limited to $10K per annum if fixed Minimum lump sum $10K (valuation required) Limited to $10K per annum if fixed Limited to $10K per annum if fixed
Redraw (variable only) N/A Available after 12 months N/A N/A N/A Further drawdown may be available on an ad hoc basis
Equity Access N/A N/A N/A N/A N/A

Things to consider

Low deposit options
 
Our Graduate Loan can help eligible graduates get started with deposits from 3% for established homes and 6% to build. Not a graduate? If you have a good savings history, the Low Deposit Loan has deposit requirements from as low as 3% for established homes.
 
Choose your rate
 
You can choose to fix the interest rate on your loan for terms of 1-3 years, or you can select a variable interest rate. You can also split your rate, so a portion is fixed and a portion is variable.
 
Boost your borrowing power
 
Our top up loans are added to a HomeStart, Graduate or Low Deposit Loan to boost your borrowing power. With most of these top up loans, there’s no need to make any repayments until your primary HomeStart loan has been fully paid.
 

 

Get into your own home sooner

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MyStart

Level 5, 169 Pirie St, Adelaide SA 5000