Flexibility and understanding

At homeloans.com.au we know that saving for your first home can be challenging.
This is why we offer flexibility over how you save for a deposit for your first home. Whether you haven’t managed to save a 5% deposit, or
your deposit comes from a gift, inheritance or a first home owner’s grant (in which case, it isn’t classified as ‘genuine savings’), our Quickstart product can get you into your new home sooner than you think!

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 Loan 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

Talk to us

Need to know:

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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