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

3.61 % PA

Comparison Rate

Investment

From

2.29 % PA

Variable Rate

2.31 % 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
Application
$0
Valuation †
$0
Annual
$300
plus legal
+ legal
Discharge

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

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Need to know:

*Quickstart enables first home buyers to borrow a portion of the lenders mortgage insurance (a fee required when the deposit is less than 20%) within the loan. This means less money is taken out of the deposit, thus bolstering purchasing power. This is subject to borrowers successfully undertaking a full credit assessment. The calculations were 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. Lender’s Mortgage Insurance (LMI) applicable. ^LMI premium may be included in loan amounts up to a maximum total loan to valuation ratio (LVR) of 98%. Eligibility criteria apply. Rates effective 1 February 2021 and subject to change. †Valuation cost up to a maximum of $500 provided free of charge. For valuation costs totalling more than $500, a fee may be payable by the applicant. Terms and conditions apply to all loan features. The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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