Calculators

Our easy-to-use calculators help estimate your borrowing capacity, required deposit and monthly repayments.

Mum and daughter leaving home

Loan calculator

Your details

Please enter a number between 1 and 4 inclusive

Your earnings

Include All:
  • Net income received from wages/salary/overtime
  • Net business/partnership income
  • Pension/benefits
  • Family tax benefits, part A & B
  • Child support
$
This field is required
Include All:
  • Net income received from wages/salary/overtime
  • Net business/partnership income
  • Pension/benefits
  • Family tax benefits, part A & B
  • Child support
$
This field is required
Include All:
  • Net income received from wages/salary/overtime
  • Net business/partnership income
  • Pension/benefits
  • Family tax benefits, part A & B
  • Child support
$
This field is required
Include All:
  • Net income received from wages/salary/overtime
  • Net business/partnership income
  • Pension/benefits
  • Family tax benefits, part A & B
  • Child support
$
This field is required

Financial commitments

$
Include all other regular commitments such as child support repayments.
$
This field is required

Your purchase

If you do not enter a suburb, your deposit will be calculated based on metro Adelaide
$
Start again
Disclaimer

How much can I borrow?

We estimate you could borrow up to:
HomeStart Loan
Graduate Loan
Low Deposit Loan
View results for
HomeStart Loan and Advantage Loan*
Borrow up to
Based on fortnightly repayments of
Total contribution required
View breakdown
or boost your borrowing power
HomeStart Loan and Shared Equity Option*
Borrow up to
Based on fortnightly repayments of
Total contribution required
View breakdown
Graduate Loan and Advantage Loan*
Borrow up to
Based on fortnightly repayments of
Total contribution required
View breakdown
or boost your borrowing power
Graduate Loan and Shared Equity Option*
Borrow up to
Based on fortnightly repayments of
Total contribution required
View breakdown
Low Deposit Loan and Advantage Loan*
Borrow up to
Based on fortnightly repayments of
Total contribution required
View breakdown
or boost your borrowing power
Low Deposit Loan and Shared Equity Option*
Borrow up to
Based on fortnightly repayments of
Total contribution required
View breakdown
Call
Apply now
Print results



Deposit calculator

Your details

Your purchase

$
If you do not enter a suburb, your deposit will be calculated based on metro Adelaide
Start again
Disclaimer
Depending on your eligibility, the lowest contribution required could be:
HomeStart Loan
Graduate Loan
Low Deposit Loan
View results for
HomeStart Loan
Home deposit
Fees and Charges
Total contribution required
View breakdown
Graduate Loan
Home deposit
Fees and Charges
Total contribution required
View breakdown
Low Deposit Loan
Home deposit
Fees and Charges
Total contribution required
View breakdown
Call
Apply now
Print results



Repayments calculator

Your loan

$
Start again
Disclaimer

How much repayments do I need?

Your estimated weekly repayments would be:
$0
HomeStart Loan
Graduate Loan
Low Deposit Loan
View results for
HomeStart Loan
Weekly repayments
for an estimated loan term of
Fortnightly repayments
for an estimated loan term of
Monthly repayments
for an estimated loan term of
Graduate Loan
Weekly repayments
for an estimated loan term of
Fortnightly repayments
for an estimated loan term of
Monthly repayments
for an estimated loan term of
Low Deposit Loan
Weekly repayments
for an estimated loan term of
Fortnightly repayments
for an estimated loan term of
Monthly repayments
for an estimated loan term of
Call
Apply now
Print results

Please note:

  • Stamp Duty: our calculators show Stamp Duty included in the fees and charges in all cases. However, based on the announcement  in the State Budget on the 6th of June 2024 first home buyers of new properties may be eligible for Stamp Duty relief. Please click here  to check your eligibility.
  • Shared Equity Option: our calculators do not apply the customer income limit or the property purchase price limit. Please refer to the product specific information.

This calculation is not an offer of credit and is intended as a guide only.

Privacy Statement

Repayment safeguard family

Set repayments for peace of mind

With the Repayment Safeguard, your repayments are based on what you can afford and stay the same even if interest rates go up or down.

See our full Rates & Fees.

Rates & Fees

Check if you're eligible

To apply for a loan with HomeStart you must:

  • Be an Australian citizen or a permanent resident

  • Be aged 18 years or over

  • Buy or build a home to live in within South Australia

  • Have a regular income (which can include Centrelink benefits)

  • Have a clear credit history (this means no paid or unpaid defaults, court judgements or a history of bankruptcy)

  • Not own another property

Thank you for expressing your interest in home ownership. We are delighted that you are exploring a home loan with HomeStart. If you wish to explore taking the next step or if you have any further questions, please call our friendly team on 1300 636 878. We’re available Monday – Friday 8:30am to 5:30pm.

* Fees and charges include establishment fee, valuation fee, conveyancing fees, settlement fee and government fees such as title search fees and stamp duty.

The Advantage Loan is combined with another HomeStart loan that suits your situation. No repayments are required until you have paid your HomeStart loan portion in full.

The Shared Equity Option is up to 25% of the purchase price as a repayment-free and interest-free loan.

R/24/459487

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