Apply for a home loan

Ready for a home loan?

Before you apply, we recommend you use our helpful calculators to work out:

• how much you may be able to borrow

• how much deposit you need, or

• how much your repayments might be.

Calculators

We have many different home loan options to help you achieve your dream of owning a home. Learn more about our loans and download our fact sheets. 

Home Loans

Unsure about which home loan products are right for you? Contact us to find out more. 

Who can apply for a home loan with HomeStart?

To apply for a loan with HomeStart you must:

• be an Australian citizen or a permanent resident

• be aged 18 years or older

• buy, build, or refinance a home in South Australia that you will be living in

• 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)

Applying Online

Applying for a new home loan online can take between 30 to 45 minutes . You can save your application as you go and complete it when it suits you.

Once you’ve submitted your application, a member of our team will be in touch to verify the details and guide you through the next steps.

Apply now

Can all applications be made online?

You won’t be able to apply online if you are:

• applying with three or more people for the loan

• applying for a Seniors Equity or Home Equity loan

• applying to refinance an existing loan, or;

• you don’t provide your consent for your income, expenses, loans and credit card information to be provided to us electronically.

In these situations, simply contact us and our team will help you with your application.

Contact us

Applying over the phone

Please call us on 1300 636 878 during our office hours: Monday to Friday, 9 am to 5 pm. 
A member of our team will talk to you about your plans, your savings, income, and any other financial commitments you may have. 

If you’re ready to apply, we will connect you with one of our Home Loan Specialists.

Contact us

What happens next?

One of our Home Loan Specialists will be in touch to book an appointment and let you know what other documents you need to supply. In the appointment, they will explain your loan options so you can choose the one that’s right for you and ask you questions about your financial situation.  

The appointment will be in-person at your closest HomeStart office or by video conference, whichever suits you.
 

What you’ll need to provide us

You will need to provide us with information about your identity, income and expenses.  Please have these ready to assist you with completing your online application. 

Identification documents

Each applicant on the loan application will need to provide either their current Passport or Driver’s Licence details.

Your income

• If you are employed full time or part time you will need to provide your gross income amount (before tax) for the week, fortnight, or month you are paid.

• If you are casually employed you will need to provide your expected gross income (before tax) for the week, fortnight, or month you are paid.

• If you receive an income from Centrelink, please provide the amount received fortnightly, and do not include rent assistance.

• If you receive child support payments include the weekly, fortnightly or monthly amount you receive. 

• If you are self-employed provide the last financial year’s taxable income. 

Your deposit

If you have saved for a deposit, you will need to tell us the amount you are contributing towards the purchase of your home. 

Your expenses

We calculate your living expenses for you, after you have provided your bank statements to us through the secure bank statements section of the application . We verify this information through an industry-trusted service provider. 

If you don’t want to verify your financial details and household expenses online, you can contact us on 1300 636 878 to re-start your application and provide copies of your account statements manually. If you provide this information manually, it will take us longer to review your application. 
 

Other considerations

• If you are a first home buyer, you may be eligible for the First Home Owner Grant and/or Stamp Duty Relief. For more information, click here. 

• If you’ve already had an offer accepted on a house or have land and building contracts, please let us know in the comments section of the online application or alternatively call us on 1300 636 878 and ask for one of our Lending Support team.

If you need help with your application

We know that applying for a home loan can feel overwhelming, but we're here to help make the process as smooth as possible. If you have any questions as you move through each step, your first stop should be our FAQs.
 
If you still need help, don’t hesitate to call us at 1300 636 878 – we’re always ready to assist. The process can take anywhere from 30 to 45 minutes, but you can save your progress and return to it at any time.
 

Please check the boxes below to get your application underway