Home Loans
HomeStart offers three home loan options, with different features depending on your circumstances.
Additional Loans
When taking out a home loan with HomeStart, you can also take out an additional loan to boost your budget or cover upfront costs.
Find the right
home loan for you
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With a HomeStart Loan, you can take the first step towards owning your home with as little as a 5% deposit to buy or 8% to build.
- 5% deposit to buy
- 8% deposit to build
Features
- Repayment Safeguard
- Options to borrow more
- Make voluntary repayments
- Variable, fixed or split rate
- No Lenders Mortgage Insurance (LMI)
- 2% deposit for first home buyers if you build with a partner builder
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If you have a Certificate III or higher qualification, you can start with a 2% deposit to buy an existing home or 5% to build.
- 2% deposit to buy
- 5% deposit to build
Features
- Repayment Safeguard
- Options to borrow more
- Make voluntary repayments
- Variable, fixed or split rate
- No Lenders Mortgage Insurance (LMI)
- 2% deposit if you build with a partner builder
- Your qualification counts no matter when you received it
-
Begin your journey to owning a home with as little as 3% deposit to buy an existing home, so you can get into your home sooner.
- 3% deposit to buy
Features
- Repayment Safeguard
- Options to borrow more
- Make voluntary repayments
- Variable, fixed or split rate
- No Lenders Mortgage Insurance (LMI)
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.
Loan Calculators
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How much can I borrow?
Work out how much you may be able to borrow.
Try the calculator -
How much deposit do I need?
See if you have enough funds to cover the up-front fees, deposit and other costs.
Try the calculator -
What are my repayments?
Work out what your repayments may be.
Try the calculator
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