Home loans
Low deposit loans
Our home loans

Our home loans

We offer three distinct primary loans, each tailored to suit different individuals in a variety of circumstances.

When taking out a primary HomeStart loan you also have the option of taking out a secondary loan to either help boost your overall home buying budget or help cover some of the upfront costs, giving you more options.

HomeStart Home Loan

Start with as little as a 5% deposit to buy an existing home or 8% deposit to build with the standard HomeStart Loan. Whether you’re buying your first or next home, you can enjoy no monthly account keeping fees.

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Graduate
Loan

Graduates with a Certificate III or IV, Diploma, Bachelor Degree or higher qualification can buy from as little as 2% deposit or build from 5% deposit.

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Low Deposit Loan

Start sooner with a low deposit option to buy an established home in a metropolitan area. With as little as 3% deposit, you could realise your goal with less money upfront.

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Additional Loans to boost your budget

Where you want to live and the kind of home you want to live in are big questions for anyone looking to buy or build a home. Whether your goal is to find a home better suited to your family's needs or you're a single-income household in search of support, HomeStart's two secondary budget-boosting loans could bring your dream home within reach by offering additional funds on top of your primary loan.

Shared Equity Option

Allows you to borrow up to 25% of the purchase price as an interest-free and repayment-free loan.

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Advantage Loan

Live where you want sooner with a borrowing boost of up to $70,000 that doesn’t increase your monthly repayments.

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Additional Loans for upfront costs

If upfront costs like deposit, fees and charges are becoming a barrier to getting into your own home. Our secondary loans for upfront costs are designed to give you the extra help you need to get into your own home sooner.

Starter Loan

If you’re finding it hard to save enough for the deposit and upfront costs to buy or build a home, the Starter Loan could help by providing up to $10,000. It’s taken in addition to a primary HomeStart loan, with the Starter Loan portion being interest and repayment free for up to seven years.

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Seniors Equity Loan

Your home is a valuable asset and with our Seniors Equity Loan, you can free up some of that value and use it to achieve some of the things you want too today. Our Seniors Equity Loan gives you access to extra funds as a single lump sum or as more regular payments to supplement your day-to-day lifestyle.

Seniors Equity Loan

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

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