Additional loans & options

Find a loan option to cover extra costs and maximise your budget.

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 help boost your overall home buying budget or help cover some of the upfront costs, giving you more options.

Additional loans to boost your budget

Additional Loan to boost your budget

Boost your budget by up to $90,000.

Features

Repayments

Repayment-free

INTEREST RATE

25% of the HomeStart Loan Standard Variable rate

INCOME

Net household income of up to $110,000 p.a.

Learn more Get in touch
Additional Loan to boost your budget

Boost your home buying budget by up to 25%.

Features

REPAYMENTS

Repayment-free

INTEREST RATE

Interest-free

INCOME

Net household income limit of up to $120,000 p.a.

Learn more Get in touch
Additional Loan for upfront costs

Borrow up to $10,000 for upfront costs.

Features

Repayments

Repayment-free for 7 years

Interest Rate

Interest-free for 7 years

Purpose

Buy or build

Income

Net household income of up to $110,000 p.a.

Learn more Get in touch

Unlock your home's equity

A home equity loan allows you to unlock the value in your home for various financial needs, such as covering medical expenses, performing maintenance, or renovations in your home. By tapping into your home’s equity, you can access funds to manage expenses without selling your property.

Equity Loan

If you’re 60 or over, you can unlock your home’s equity with a ‘no negative equity’ guarantee through our reverse mortgage loan. You can also make voluntary repayments and there are no monthly account keeping fees.

Learn more
Equity Loan

The Home Equity Loan helps you access up to $20,000 in equity in your home and is available to current HomeStart customers to fund house related or non-house related expenses.

Learn more

Loan calculators

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

Additional loans & options

Home loans

Additional loans

Have questions or ready to apply?

How much can I borrow?

How much deposit do I need?

What are my repayments?