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Here to lend a hand

Having bought a home before, you’re probably familiar with the process you need to go through to get things in order. But to make sure you cover all your bases and tick off any new requirements since your last purchase, we’ve put together the following steps.


Step 1

Planning to buy

There are a couple of parts to this one. Have you thought about what you’re going to do with your current property – keep it as an investment, or sell it before buying your next? Your answer to this question will influence your borrowing power. To help work this out and find out how much you could be up for in repayments, use the calculators below.
 
Step 2

Understanding the costs of buying

While you’ve done it all before, it’s always good to get a refresher on those extra costs you’ll be up for. Remember to factor in things like: 

Home selling tip!

Don’t forget to factor in the costs for getting your home ready for sale – things like painting, landscaping and repairs.

Step 3

Getting your loan

Now that you’ve considered all the costs, it’s time to find your next home and the best loan to suit your needs.

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

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
Step 4

Buying your home

Before you start packing the moving boxes, don’t forget to cover off these things:

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

And because there’s so much to think about at settlement, have a read of our Settlement Guide to help you through the process.

Home buying tip!

Although you’ve been through the process before, it’s always wise to get a legal expert to review contracts and other documents.

Continue your home buying journey