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Buy your first home sooner
We’ve got a range of solutions to help first home buyers get in to a place of their own sooner.
Peace of mind
We’ve helped many Australians in to their first home. Our team of Mortgage Specialists can help guide you through the process.
Low deposit
There’s a number of initiatives on offer to help you buy your first home sooner, and the good news is that you don’t need a 20% deposit.
Value
We offer competitive rates and flexible solutions for first home buyers, even if you only have a small deposit.
Support for buying a home
The Australian Government’s 5% Deposit Scheme (formerly the Home Guarantee Scheme) makes buying your first home more achievable than ever. From 1 October 2025, eligible first home buyers can purchase a home with just 5% deposit, without paying Lenders Mortgage Insurance (LMI).
There’s also the Family Home Guarantee, which provides eligible single parents with dependents the opportunity to build a new home or purchase an existing home with a deposit of 2%, subject to the individual’s ability to service a home loan.
Key benefits:
- Low deposit options
- No income caps
- No LMI – save on upfront fees
- Wide choice of home types
- Government backing
- Unlimited spots and no waiting list
Find out more
Featured home loans
Buy, refinance or build
Go Basic Variable home loan
For owner occupier loans with an LVR up to 80% or are eligible for the 5% Deposit Scheme
5.24%p.a. 1
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Buy, refinance or build
Boost Package – 2 year fixed home loan
For owner occupier loans with an LVR up to 80% or are eligible for the 5% Deposit Scheme
4.89%p.a. 2
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Help for buying a home
We’re a participant in the Australian Government’s Schemes to help with buying a home. Spaces are limited.
Read more
A young couple’s journey
Read about how two of our members found their first time perfect home and what supports they were able to access to make it happen.
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Don’t have a cash deposit?
Deposit bonds can help if you want to buy a property but don’t have immediate access to a cash deposit – but you will by the time of settlement.
Read more
Jargon busting your way into a home
Buying a home is a significant purchase. Let us break down the home buying jargon.
Read more
You can view Target Market Determinations here.
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate is for owner occupied loans and is current as at 28/08/25 and subject to change without notice.
Lenders’ Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%. Some suburb exclusions apply.
Valuation for additional securities will be charged at cost and could incur additional legal fees. Government charges apply.
2 Rate is current as at 17/10/25, is available for owner occupier loans and subject to change without notice. Application and legal fee waiver applies to applications with one security property, additional securities will be charged at cost and could incur additional legal fees. Valuation fees may apply. Additional upfront fees apply for construction loans. Government charges or any exit costs may be incurred from your existing lender. Lenders’ Mortgage Insurance applies where the loan to value ratio (LVR) exceeds 80%. Some suburb exclusions apply.
*The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.