Get your foot in the door faster

At homeloans.com.au, we know that saving for your first home can be challenging.
This is why we accept deposits of as little as 5% from multiple sources (including first home owner’s grants and the Bank of Mum and Dad),
and we can also increase your buying power by up to $130,000 compared to other 5% deposit home loans.*

Owner Occupied

From

3.59 % PA

Variable Rate

3.59 % PA

Comparison Rate^

Investment

From

N/A % PA

Variable Rate

N/A % PA

Comparison Rate^

Rates shown apply up to 90-95% LVR without genuine savings as a deposit. Where genuine deposit savings apply, see our Low Rate Home Loan.

Quickstart home loan features

  • No monthly or annual fees
  • 100% offset account
  • Unlimited additional repayments
  • Free online redraw
  • Visa™ Loan Access Card
  • Customer Benefits Program
  • A new tree planted on your behalf

Fees
and charges

$0
Upfront fees
$0
Ongoing fees
$0
Exit fees
*Government charges apply. Third party charges may also apply

Availability

  • Loans up to 95% (plus LMI up to max 98%^) of the value of the property
  • Buying or refinancing an established (not off the plan or construction) residential property
  • Australian/New Zealand citizens or permanent residents living in Australia
  • A good credit history

    Note: If you’ve saved more than 5%, or your deposit is from ‘genuine savings’,
    you may be eligible for our Low Rate Home Loan

Talk to us

Need to know:

Lender’s Mortgage Insurance (LMI) is applicable and the LMI premium may be included in loan amounts up to a maximum total loan to valuation ratio (LVR) of 98% for eligible first home buyers. Eligibility & credit criteria apply. Calculations are current as at 7 April 2021 and compare $50K, $100K and $150K deposits across Australia, taking into account first home buyers exemptions and concessions in each state/territory. Terms and condition and credit criteria apply. *Government charges apply. Third party charges may also apply. ^The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Interest rates are effective from 23 September 2021 and are subject to change, you can view all our rates here.
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