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What do you need to think about when buying your first home?

Repayments and budgeting
Before you apply, think about how your budget could accommodate repayments. Our repayment calculator could help.
Borrowing power
Estimate how much you could borrow by entering your income and expenses into our borrowing power calculator.
Purchase costs
Our stamp duty and lenders’ mortgage insurance calculator can help you estimate these property purchase costs.
Property reports
Check sales histories, estimated values and suburb trends with our online Property Market Research tool. 

Read about up-front costs

In addition to stamp duty and a deposit, you need to start thinking about legal fees, inspection fees, mortgage registration and title transfer.

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How do I get started?

There are many things to consider when buying your first home. Find out about guarantors loans, home buyer grants and lender’s mortgage insurance.

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What affects my rate?

Are you an owner-occupier or investor? Do you want a fixed or variable rate? Compare our rates to see how these things affect your home loan.

Compare rates

Start your application online

Learn how much you could borrow.
Receive indicative approval in under 15 minutes.
A home loan expert will call you once you have submitted your application to talk through next steps.

Our Home Loans

We offer a range of mortgages to suit your needs with competitive interest rates.

Important information

Credit criteria, fees and charges apply. Based on BankSA credit criteria, residential lending is not available for Non-Australian resident borrowers.