FAQs

HomeStart will obtain your consent to order a report from a credit reporting agency. This report may note any applications for credit that you may have made previously. It may also show credit defaults that have been recorded on your file, if applicable. A credit check may also be conducted with any existing Credit Provider that you have listed on your loan application.

Once the e-form has been submitted, you cannot change the information on the website. However, please contact us immediately and we will action any changes on your behalf.

You can cancel your home loan application at any time before approval by reaching out to your Broker or your HomeStart Home Loan Specialist, depending on who submitted your application. Alternatively, you can contact us and speak with one of our team members to request the cancellation.

Yes, a copy can be made available to you at any time and this can be emailed or posted to you. To obtain a copy of your application, please contact us.

When applying for a home loan, there are fees and other costs that you need to pay over and above the deposit, such as stamp duty, loan application fees, conveyancer fees, and building and pest inspection fees. Building insurance is also required to cover the property you wish to purchase, and you will need to provide us with a copy of the policy during the application process.

If you’ve recently moved to South Australia and want to buy a home, HomeStart can assist you in getting started. We offer options for refugees looking to settle down and skilled migrants entering the housing market. 

Learn about the home buying process:

Attend a free Home Buyer Seminar in Adelaide or visit our News page for useful tips.

Access interpreter services:

You can use interpreter services during initial discussions over the phone and in person during your home loan appointment to help you understand how our home loans work.

Access to our Graduate Loan:

Skilled migrants may be eligible for our Graduate Loan, starting with a 2% deposit. Other criteria, terms and conditions will apply, depending on which home loan you choose. Contact us to find out more.

Useful resources

Multicultural SA
News read our education blog about buying a home
Migrant Resource Centre of South Australia
Migration SA

First Home Owner Grant checklist

Revenue SA has information to help assess if you are eligible for the First Home Owner Grant.

HomeSeeker SA

If your annual income before tax is $115,000 or less (singles) or $150,000 or less (couples or families), the affordable homes program could help you find a home sooner. You can also register to receive email alerts when new properties are listed. Other eligibility requirements apply. Visit HomeSeeker SA for more information.

If you have a good repayment history and a reasonable amount of equity in your home, you may meet the lending criteria of other lenders and be ready to move on from HomeStart. You create equity in your home by paying off some of your home loan balance or when your home has increased in value. The more equity you have the easier it will be to refinance. Get more information here or watch this video.

Pre-approval shows how much HomeStart will lend you to buy a property, as long as the information you have supplied is correct and all conditions are met*.

With pre-approval you can:

• start looking for the home you want
• make an offer on a property with confidence
• have up to 4 months to search for your home

We can arrange pre-approval after your loan application has been assessed if you meet our eligibility criteria.

If it takes longer than 4 months to find a home, your Loan Consultant can reassess your situation to give you another pre-approval.

_{*A pre-approval is not a final approval. It is indicative of how much HomeStart may lend you, based upon the information you have provided. Formal approval is issued only when HomeStart’s eligibility and lending criteria and all terms and conditions are met. The specific details of your loan will be documented in your credit contract.}

The time needed to assess loan applications depends on how complex your application is, how quickly you can provide the necessary information, and our current processing times. Your Home Loan Specialist or Broker will give you an indication of timings when working with you on your application.

Your home loan assessments may be delayed if we don’t have all the information we need. Providing the documents we request as quickly as possible will help progress your application through our assessment process.

Your Home Loan Specialist or Broker will let you know if you need a property valuation. If so, inform your real estate agent so they can arrange it as soon as possible.

Get in touch with your HomeStart Home Loan Specialist on 1300 636 878 or your Broker if you have questions about the status of your home loan application.  

What you’ll need

The Verification of Identity (VOI) service will ask for primary identification documents such as:

• your passport 
• your Australian Driver’s Licence
• your birth certificate
• a change of name or marriage certificate (if applicable)

What you need to do

As part of completing your loan application with HomeStart, you will receive an email from us with instructions for how to verify your identity. The Verification of Identity (VOI) is completed through ID Verse, an ID verification platform used widely by the financial services industry. Simply follow the prompts to complete the verification. For more details, click here if you are on mobile or click here if you are on desktop.

Important information

• You can only complete the VOI process on a mobile device with a camera (like a phone or a tablet). If you use a desktop and click ‘Verify’, you’ll see a QR code—scan it with your mobile device to start the process. 
• Make sure you have two different forms of ID ready to go through the process.

If you require further assistance, call us on 1300 636 878 or request a call back.

We require information from your bank statements to assess your loan application. To make the process as quick and easy as possible for you, we use an automated bank statement retrieval service supplied by one of Australia’s leading credit bureaus, Illion. You can find out more about Illion’s service and security on their website.

You can track the status of your loan application on HomeStart Online. If you submitted your application directly to us, either online or with one of our Home Loan Specialists, you can log in to HomeStart Online to track your loan application status at any time. 

If you submitted your application with a Broker, they will be able to inform you about your application status.

Your Home Loan Specialist will ask you to upload documents about your financial situation to support your loan application.

Follow the steps below to upload the relevant documents:

• Register for HomeStart Online 
• Complete the Multi-Factor Authentication (MFA)
• Go to My Dashboard
• Go to Manage My Loan
• Select Upload Documents and upload all necessary documents to the correct categories

If you require assistance with uploading your documents, please contact your Home Loan Specialist. 

If you submitted your application through a Broker, they will upload your documents to us on your behalf. 

If your Verification of Identity (VOI) isn’t going through, it may be due to poor-quality or unclear ID images. This can cause delays in your application process. 

This often happens when a photo of a physical ID (e.g. a driver’s licence) is saved to a device, then re-photographed from the screen. These “copies of copies” reduce image quality and make facial recognition difficult. 

Here are a few tips to make sure your VOI goes smoothly:

• Physical ID: Take a clear photo of the original document – don’t photograph a screen.
• Digital ID: Upload a direct screenshot from the device (e.g. Digital SA Driver’s Licence or Medicare card).
• Check clarity: if the image looks blurry or unclear, please retake it before uploading.

Please check your junk or spam folder first. If you still can't find it, contact us at newloans@homestart.com.au or call 1300 636 878 and we can assist.

Your broker will receive a copy of the documents at the same time as you, giving you the opportunity to discuss them with your broker if you choose. Once all required parties have signed the documents, your broker will receive a further email and will be able to view the completed documents.

If you are the sole applicant on the loan, you will receive an email confirmation once your documents have been completed. We will then review the documents, process them, and contact you if further information is required.

If there are multiple applicants on the loan, you will receive an email confirmation after all applicants have signed the documents.

You should ensure you download a copy of the finalised documents for your information.

Yes. We cannot finalise your loan until all applicants have signed.

Yes. You must review your documents carefully before signing them.

Please contact your broker or your HomeStart representative as soon as possible.

If you're having trouble opening or viewing your documents, please contact us by emailing newloans@homestart.com.au or call 1300 636 878.

If you are the sole applicant on the loan and have not received an email confirmation, please contact the HomeStart team by emailing newloans@homestart.com.au or calling 1300 636 878. 

If there are multiple applicants on the loan, a confirmation email will be sent after all applicants have signed. If everyone has signed and you still haven't received the email, please get in touch.

Please contact your broker or the HomeStart team by emailing newloans@homestart.com.au or calling 1300 636 878.

Once all required applicants have completed the documents, HomeStart will receive an email confirming the documents have been completed and will progress with finalising your loan.

Contact HomeStart at newloans@homestart.com.au or on 1300 636 878.

If your loan has settled and you have access to HomeStart Online, you can also get in touch via Secure Messaging.

The email is a reminder that your signed documents will soon be removed from Docusign's system in line with its document retention policy. If you'd like to keep a copy, please download the documents before they're removed. This does not affect your HomeStart loan or the validity of your signed documents.

If you’re a new customer applying for a home loan online, you will need set up your HomeStart Online account as the first step:

Apply now

If you’re an existing customer and want to set up your account, you can set up your online account via your desktop or mobile phone. Enter your registered email address and customer number to activate your account. Register here to set up your HomeStart Online account.

For more help setting up your HomeStart Online account, click here. 

The verification email may take 1 – 2 hours to reach your inbox depending on your internet provider. Please check your spam and junk folder in case it was delivered there.

When activating, if you try to reset your password before completing the email verification step this may result in your account being blocked. Please contact our Customer Service Team if this happens on 8203 4081 or email myloan@homestart.com.au. 

Multi-factor authentication (MFA) is an additional layer of security to ensure you and only you can access your online account. MFA requires two or more proofs of identity - a password and a verification code.

Reset your password via the HomeStart Online login page. Select reset password and enter your registered email address. You will then receive an email with a link to reset your password.

No, you each need your own unique email address to log in to HomeStart Online. If the email address you have previously provided is incorrect, please update with your most current email address.

No, you cannot have more than one email address registered with us. If the email address you have previously provided is incorrect, please call us so we can update your current email address.

You can update or delete your direct debit details at any time. Please note that all HomeStart customers are required to have a direct debit set up on their account to ensure repayments are made on time and to prevent the account from falling into arrears. If you delete your existing direct debit, you’ll need to set up a new one to replace it.

For more information on how to create or delete a direct debit, please visit: Mobile guide Desktop guide

As your BPAY payments are coming to HomeStart from another bank or financial institution, you will need to update your BPAY details with them. Most banks let you do this through internet banking. If you need help, please contact your bank.

To update your personal details, send us a secure message via your HomeStart Online account. More information on how you can use our secure messaging tool can be found here: Mobile Guide Desktop guide

Alternatively, you can email myloan@homestart.com.au, or call us on 1300 636 878 (select option 2) for assistance with updating your details. 

You can find your loan details on your HomeStart Online account. 

Log in to HomeStart Online > select Manage loan > Details (this button appears when you select the down arrow located next to your current loan balance). This will open a new page where you can view your loan details, recent transactions and transfers. 

For more information on how to view your loan details, visit: Mobile guide Desktop guide 

You can view your recent transactions by logging into your HomeStart Online account > select Manage loan > Details (this button appears when you select the down arrow located next to your current loan balance). A new page will open, navigate to Transactions. You will also be able to view all your past transaction history. If you require assistance, please contact us via secure message Mobile Guide Desktop guide.

Submit the progress payment invoice to HomeStart via the secure messaging tool, or by emailing progresspayments@homestart.com.au. 

Please include your loan or customer number and a signed invoice so our team can action the payment.

If you haven't already provided your First Home Owner Grant, Decision Notification Form, QBE Building Indemnity Insurance, and Council approved stamped plans, you'll also need to submit these. 

You can complete a redraw online via your HomeStart Online account. Simply follow the steps outlined here: Mobile Guide Desktop guide

To view your balance currently available for redraw, log in to your HomeStart Online account > Manage loan. In the top right of your screen, you will find your Total Available Balance. This is the amount that is available for redraw.   

If you have excess funds available, you can redraw up to $30,000 from your home loan account. If you require assistance or would like to transfer funds over $30,000, please send us a secure message via your HomeStart Online account, email myloan@homestart.com.au, or call us on 1300 636 878 (select option 2). 

Secure messaging guide Mobile Guide Desktop guide

Once you have transferred funds from your HomeStart loan, it will take up to 1 business day to clear.

To view upcoming payments for your loan(s), log in to HomeStart Online > select Manage loan > Details (this button appears when you select the down arrow located next to your current loan balance). A new page will open, navigate to Scheduled Transfers. 

Here you will be able to view your pending and most recent transfers. You can delete an upcoming payment by selecting the trash icon on the right-hand side. 

For more information on how to update, cancel or create a payment, visit: Mobile Guide Desktop guide

If you have made a payment to the wrong loan account send us a secure message via your HomeStart Online account, email myloan@homestart.com.au, or call us on 1300 636 878 (select option 2) as soon as possible. 

Secure messaging guide Mobile Guide Desktop guide

You can make payments by logging into your HomeStart Online account at any time. Payments made before 2.00pm AEST are typically cleared within 1 business day, while payments made after 2.00pm AEST may take up to 2 business days to clear.

You can set up a voluntary repayment through your HomeStart Online account. Log in to HomeStart Online > select Manage loan > Make a Transfer. Select your bank account in the From field, and your HomeStart loan in the To field.  

Enter the payment amount, start date, and frequency. Select if this is ongoing, or for a set time. For more information on how to set up a voluntary repayment, visit: Mobile guide Desktop guide

You can send us a secure message via your HomeStart Online account. Simply log in to HomeStart Online > select Manage loan > and click the mail icon in the top right hand corner > + NEW MESSAGE. 

For more information on how to send us a secure message, visit: Secure messaging guide Mobile Guide Desktop guide

To view a document related to your loan, log in to your HomeStart Online account > select Manage loan > All documents (located on the icon menu on the left of the screen). Use the drop down to select the loan you wish to view documents for. 

Download the document by pressing EXPORT and selecting your preferred file format.  

The repayment frequency shown in your account details reflects the minimum monthly amount required on your loan.

We display this as a monthly figure for consistency, but you may make your repayments weekly or fortnightly, whatever works best for you.

To download a statement, log in to your HomeStart Online account > select Manage loan > View Statements. Select the loan you require statements for from the ACCOUNT drop down box.   

Download the statement by pressing EXPORT and selecting your preferred file format.  

Please note: Statements prior to June 2026 will not appear. This will need to be requested via myloan@homestart.com.au or by using the secure messaging tool.   

To opt in for digital statements, send us a secure message via your HomeStart Online account, email statements@homestart.com.au or call us on 1300 636 878 (select option 2).

While most lenders link repayments to interest rates, HomeStart repayments will usually adjust every 12 months based on inflation (the Annual Instalment Review), and not when interest rates change. So, if interest rates go down, you’ll pay off your loan faster and if they go up, your loan term will increase. Either way, you won’t have to stress about changing interest rates affecting your annually set minimum repayments.

The interest charged to your loan is currently greater than your repayment amount. This difference between the interest charged and your repayment causes your outstanding loan balance to increase. To reduce your loan balance, you can choose to increase your repayment amount or make voluntary repayments at no extra charge. Alternatively, you can wait until your repayment amount is adjusted, usually on the anniversary of your loan. This is called the Annual Instalment Review and is based on inflation, not when interest rates change. For more information about how this works, watch our video.

When you use the HomeStart website, our systems record some basic and anonymous information about your computer including:

• Your IP address (unique signature)
• Your operating system
• Your browser

We use this information to ensure that our website is compatible with the browsers and systems that our customers use. By using our site, you consent to the collection of this information.

We conduct surveys and marketing questionnaires so that we can better understand the needs of our customers. If you respond to a survey or questionnaire, we will use that information to improve our services and products available to our customers.

We use industry standard security on our website and systems to help keep your information safe, but there are also some things you can do to enhance your security. We recommend that you:

• Take extra care if you use a public computer or free public Wi-Fi. Make sure your personal details are protected and log out when you’ve finished.
• Set a passcode or password on your computer or device and enable the option to lock the screen after a short period of inactivity.
• Don’t use the same password on more than one account, and don’t share your passwords.
• Make sure your computer or device has the latest security updates installed.
• When using the HomeStart Online application always save and exit if you move away from your device/computer or after you have completed the application.

You can email privacy@homestart.com.au with any queries or contact us.

When you apply for a loan with HomeStart, you will need to provide certain personal information and documents relating to your circumstances, financial situation and identification.

At various stages of the application process, we will ask you for this information so we can complete our assessment of your application. 

You can provide your information to your Broker or HomeStart Home Loan Specialist at your appointment.