Boost your borrowing power

Borrow more without increasing your monthly repayments, with a HomeStart secondary loan.

These loans are added to a HomeStart, Graduate or Low Deposit loan to boost your borrowing power. With most of these secondary loans, there’s no need to make any repayments until your primary HomeStart loan has been fully paid. They also have a lower interest rate comparable to CPI. Being able to borrow more gives you more options when house hunting to choose a better location or bigger home to better suit your family.

Advantage Loan

An Advantage Loan of up to $45,000 is available if your household earns less than $60,000 per annum after tax. It also offers a lower interest rate.

Breakthrough Loan

Through shared appreciation, you could borrow up to 30% more. In addition to another HomeStart loan, you could also use Breakthrough to refinance your existing home loan so you can reduce your current repayments.

Wyatt Loan

If you are on a limited income, the Wyatt Loan provides up to $10,000 towards the deposit, fees and charges, and offers an interest and repayment free period of 5 years.

EquityStart Loan

If you are a current public or community housing tenant, the EquityStart Loan can increase your loan amount by up to $50,000 without adding to your repayments. It also offers a lower interest rate.

Not sure which loan is right for you?

Use the how much can I borrow calculator to find out how much you can borrow and your loan repayments with the Advantage or Breakthrough loans.

Call 1300 636 878 to speak to one of our friendly consultants for a personalised quote or complete the form below and we’ll call you within one working day.

Privacy Statement

Terms, conditions, and eligibility criteria, fees and charges apply

Get into your own home sooner

Subscribe to our Newsletter

Receive home buying tips

Want to find out more?

Call us on 1300 636 878 or request a call back

 Security code
Privacy statement
Are you an existing customer? Contact us

Connect with us

MyStart

Level 5, 169 Pirie St, Adelaide SA 5000