Home Loans

Find a flexible loan that meets your needs.

How our loans work

Home Loans

HomeStart offers three home loan options, with different features depending on your circumstances.

HomeStart Loan
Graduate Loan
Low Deposit Loan

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.

Advantage Loan
Starter Loan
Shared Equity Option

Find the right

home loan for you

Home Loan
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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Home Loan
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

Learn more Get in touch
Home Loan
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)

Learn more Get in touch

Loan Calculators

How much can I borrow?

Work out how much you may be able to borrow.

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How much deposit do I need?

See if you have enough funds to cover the up-front fees, deposit and other costs.
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What are my repayments?

Work out what your repayments may be.

Try the calculator