Now you’ve made the decision to buy, the next thing is to secure a loan that will meet your needs. We understand this is a big life event and we’re here to make it as easy as possible.
Adding our First Home Buyers’ Package to your loan means you’ll enjoy fee waivers and other discounts as well as flexibility for your borrowing needs. The First Home Buyers' Package is available on the Premier Package Home Loan
$0 Home Loan Establishment Fee.1
100% offset facility on variable rate home loans (multiple offset accounts available on the Premier Package Home Loan).
Ability to borrow up to 98% of the value of the property.2
Premium CGU insurance policies at competitive prices.4
May borrow 100% with Family Guarantee.3
A Visa Classic Credit Card is available for day to day expenses.5
Use our Visa Platinum Credit Card with no annual fee.5
Help Buying Your Home
First Start is an ideal way for your parents to help you with your dream of home ownership.
It’s a way for a family member (such as your parents) to put money towards your deposit, which could help you get into your first home sooner.
This can reduce the amount you need to borrow and may help you avoid having to pay Lenders Mortgage Insurance.
In return, your parents (or other contributor) may share in the appreciation of your property.
The formal ‘Agreement’ provides you with purchasing power and protects all parties.
Want to know more about how it works? Check out our Frequently Asked Questions
Home Loan Key Facts Sheet
A Home Loan Key Facts Sheet is an easy way to help you understand and compare home loans.
Generate a Home Loan Key Facts Sheet
A Key Facts Sheet provides you with loan information in a standardised format which allows you to compare different home loans.
Not ready to apply but simply wish to make an enquiry?
We are experiencing a high volume of applications at this time, and are giving priority to our existing customers and new customers working in the education and health sectors. You may experience long delays in speaking with a Banker about your application.
We’re pleased to offer a First Home Bonus Saver Account, offering bonus interest to first home buyers as well as access to a great value Home Loan package. When you use this account to save for your first home purchase, we’ll pay a higher rate of interest, so when you’re ready to buy you can access the deposit when you need it.
View our Interest Rate page for a full list of Home Loan interest rates.
We're here to help
Our Mobile Lenders can visit you at home or work at a time that is suitable for you.
2. Lenders Mortgage Insurance (LMI) is only required if the loan exceeds 80% of the property value or 85% for Premier Package Home Loan holders where approval conditions are met. These conditions include applicants to be employed in the Education or Healthcare sector, owner occupied only, no equity release with refinanced loans, no off the plan or construction loans, standard security types, some postcode restrictions apply. LMI protects the lender. Loans of up to 95% Loan to Value Ratio (LVR) can be approved, subject to meeting LMI approval conditions and may be extended to 98% inclusive of LMI fee capitalisation for First Home Buyers.
3. Subject to approval and conditions apply. Fees and charges apply. Available on Standard, Complete, First Rate and Premier Package Home Loans.
4. General insurance is issued by Insurance Australia Limited ABN 11 000 016 722, AFSL 227 681 trading as CGU Insurance. In arranging this insurance, Victoria Teachers Limited ABN 44 087 651 769, AFSL 240 960 acts under an agreement with CGU, not as your agent. This information does not take into consideration your objectives, financial situation or needs. Therefore you should firstly consider the appropriateness of this information and refer to the Terms and Conditions or relevant Product Disclosure Statement (PDS) before acquiring a product, available by calling 1300 654 166. We receive commission on these insurance products as a percentage of the premium price for each policy ranging from 5-35%.
5. Subject to approval.