Enjoy the benefits
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, Complete Home Loan and the Basic Home Loan. View our Interest Rate page for a full list of Home Loan interest rates.
Establishment Fee$0 Home Loan Establishment Fee.¹
Offset facility100% offset facility on variable rate home loans (multiple offset accounts available on the Premier Package Home Loan).
Borrowing powerAbility to borrow up to 98% of the value of the property.²
Premium insurancePremium CGU insurance policies at competitive prices.⁴
Family GuaranteeMay borrow 100% with Family Guarantee.³
Visa ClassicA Visa Classic Credit Card is available for day-to-day expenses.⁵
Visa PlatinumUse our Visa Platinum Credit Card with no annual fee.⁵
Help buying your home
The number of first home buyers needing assistance to get their first foot on the property ladder has reached an all-time high.
We're here to help
Our Mobile Bankers can visit you at home or work at a time that is suitable for you.
1. Applicants who decide not to proceed with the loan may incur establishment fees.
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.