Who it is for
This loan may suit:
- First-home buyers working out borrowing capacity and deposit requirements
- Upgraders managing the timing of buying and selling
- Self-employed borrowers with non-standard income structures
Home Loans
Find a home loan that works for you.
Compare loans for buying, moving or refinancing your home.
Process
What happens next
- 1Assess your position
- 2Compare lenders
- 3Get pre-approval
Questions about home loans
How much deposit do I need?
Most lenders want 20% to avoid Lenders Mortgage Insurance, but many accept deposits as low as 5%. Some first-home buyer schemes can help bridge the gap.
Should I get a fixed or variable rate?
It depends on your priorities. Fixed gives you certainty for a set period. Variable gives you flexibility to make extra repayments and switch lenders more easily. We can also split the loan so you get both.
I'm self-employed - can I still get a home loan?
Absolutely. We work with lenders who assess self-employed income using tax returns, BAS statements, and accountant declarations rather than standard payslips.