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First Home Buyers Guide

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First home buyers guide

 

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Find the right home loan for you

Whether it's a no-frills low interest rate, or the full package with money-smart features, we've got you covered. 

Low Rate Essentials 

Our lowest variable home loan
 

3.06% pa1
Variable rate (up to 80% LVR)

3.09% pa
Comparison rate

  • No annual fee
  • Unlimited extra repayments
  • Free online redraw3
  • Borrow between $50,000 and $2 million
  • Option to split with a fixed rate loan

Apply

Premium Package 

Take advantage of thrifty extras
 

3.30% pa2
Variable rate (up to 80% LVR) 

3.62% pa
Comparison rate

  • 100% offset account on variable loans
  • Unlimited extra repayments
  • Free online redraw3
  • Borrow from $150,000
  • Option to split with a fixed rate loan

Apply

Low Rate Essentials Investment

Get on the property ladder while renting in a location you love

3.38% pa1
Variable rate (up to 80% LVR)  

3.40% pa
Comparison rate

  • No annual fee
  • Unlimited extra repayments
  • Free online redraw3
  • Borrow between $50,000 and $2 million
  • Option to split with a fixed rate loan

Apply


Compare our full list of home loan interest rates

Other handy tools

Request a FREE suburb report 

Explore local property prices and lifestyle information >

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Loan application checklist

The items we'll need when you apply >

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Gateway HomeHub

Our HomeHub blog is filled with more home buyer's tips and tricks;>

 


 

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We'll be with you throughout your home buying journey

 

There’s a lot to think about when buying a home, so we’re here to keep it simple. 

If you would like more information, call us on 1300 302 474 (8am  6pm, Monday to Friday AEDT) 

Arrange a call back.

 

 

Things you should know:
Rates advertised only apply to loans with a loan to value ratio (LVR) up to 80% where principal and interest repayments are being made. For interest rates when the LVR is greater than 80%, visit our full list of home loan interest rates.
Comparison rates are calculated based on a loan amount of $150,000 over a 25 year term. WARNING: Comparison rates are 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.

Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are included in the loan offer. Fees and charges apply.

1 Low Rate Essentials variable rate discount offer is available for a limited time only and may be varied or withdrawn at any time. This offer is available for new loans and top ups of $50,000 or more on owner-occupier loans with a loan to value ratio of less than 80% with principal and interest repayments. 
2 Premium Package variable rate discount offer is available for a limited time only and may be varied or withdrawn at any time. This offer is available for new loans of $150,000 or more and top ups of $50,000 or more on owner-occupier loans with a loan to value ratio of less than 80% with principal and interest repayments. 

3 Redraw is only available on variable rate home loans and requests are subject to approval. Minimum redraw amount is $500. Fee-free redraws are only available through Online Banking, any other form of request will incur a $5 redraw fee. The available loan redraw amount is calculated by taking the sum of any additional loan repayments you may have made, less your next scheduled loan repayment.