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Follow our step-by-step guide

When it comes to buying your first home, there’s a lot to take in. So to make sure things run smoothly, and to guide you through the process, we’ve put together the following steps. They’ll give you the clarity and confidence you’ll need to get into your first home sooner.


Step 1

Planning to buy

Before you look for the perfect property, it’s good to know what you can afford to borrow and how much you’ll need to repay. Work this out by running the numbers in the calculators below.

Step 2

Understanding the costs of buying

A deposit is the first and most obvious cost that you’ll need to consider. Getting this together can take some time, so to help speed things up, read our tips on saving for a deposit.

There are also plenty of other costs that are often forgotten about that will also need to be factored in. Neglecting these could mean you won’t have enough to cover the price of your dream property.

Home buying tip!

Are you eligible for the First Home Owner Grant? To see if you qualify, read our home buying guide.

Step 3

Get pre-approval

After you’ve chosen the loan for you, it pays to get as prepared as you can. Securing pre-approval is a smart move – it’s free and valid for up to three months, giving you plenty of time and confidence to search for your property.

Get your pre-approval and be ready to buy.


Apply online Download fact sheet

Fixed Rate

Lock in your repayment amounts so you can plan your budget with confidence.

2 years Fixed - Choices 3.72 % p.a Owner occupied
4.80 % p.a Comparison rate
View key features
  • Security of fixed repayment amounts
  • Additional repayments available, up to $10,000 p.a.
  • 1,2,3 and 5 year terms available

Mortgage Saver Special

Our simple great rate variable home loan with no establishment or ongoing fees.

Mortgage Saver Special 3.74 % p.a Owner occupied
3.74 % p.a Comparison rate
View key features
  • Available for new lending only
  • Flexibility of a split loan option
  • No annual or monthly account keeping fees
  • Unlimited additional repayments
Step 4

Buying your home

So you’ve found your perfect place – that’s great! But you’re not quite there yet. There are a few more steps to take before you can start moving in.

The buying process

Factor these things in when buying you home: ·       

  • Organise a building and pest inspection.
  • Get a solicitor or conveyancer involved to cover the legal side of things.
  • Organise home and contents insurance.

Home buying tip!

Before you buy, make sure you get a building and pest inspection to check the property is structurally sound and free of pests like termites. 

At settlement

When it comes to settlement, there are quite a few steps to cover off. These can be quite complex and involve a number of people. So have a read of our settlement guide to help you through the process.

Continue your home buying journey