Home ownership – where do I start?
Right here! Below, you’ll find all the guides, articles, calculators, and FAQs you need to understand the process and master the lingo.
The reality of buying your first place.
Buying a home can be complicated. Anyone who says otherwise is either an economics professor and/or your parents (who bought back when a three-bed cost $100k).
The good news is that you don’t need to do it alone: our team of Lending Specialists can walk you through the home buying process, step-by-step and all free of charge.
Support for every stage.
Step one is figuring out what you don’t know. Get answers to common first home buyer questions.
Get your ducks in a row. Calculate your price range, learn what to look out for at an inspection, and more.
What to look for at a house inspection
Crunch the numbers to make a confident offer or chat through your thinking with a Lending Specialist.
Australian Government 5% Deposit Scheme.
The Scheme makes home ownership more achievable by helping you buy sooner with a small deposit, supported by a Government guarantee. Eligible applicants can apply for a loan with as little as 2-5% deposit saved.
Smaller deposit?
Don’t think the dream is over if you have less than 20% saved. With Lenders’ Mortgage Insurance (LMI) or parent equity, we may be able to accept a smaller deposit.
Rates starting from
For 3 Year Fixed Total Home Loan Package Home Buyer Scheme ≤95% LVR^
6.59
6.97
Ready to make a move?
Apply online
Pre-qualify
First Home Buyers FAQs.
Your Lending Specialist will provide their direct contact details as the first point of contact, and loan status can be viewed by existing members within Internet Banking under ‘Apply’ and then ‘Loan Status’ however, you can always contact the branch or our Member Service Centre staff to direct you accordingly.
Our Member Service Centre operating hours are Monday to Friday 8:00am - 8:00pm (Adelaide time) and Saturday 9:00am - 3:00pm (Adelaide time).
Useful links
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Although many aspects of the application process are standard, in order to understand how much you can borrow we need to understand your individual circumstances.
You can:
- Contact our Member Service Centre Monday to Friday 8:00am - 8:00pm (Adelaide time) and Saturdays 9:00am - 3:00pm (Adelaide time)
- Contact us via Live Chat for general information Monday to Friday 9:00am - 6:00pm (Adelaide time) and Saturdays 9:00am - 3:00pm (Adelaide time)
- Attend a branch
- Meet with an experienced Lending Specialist.
Useful links
We’re glad you’re happy. Feel free to share more!
Sorry to hear that! Please share how we can improve.
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Interest rates apply to new loan applications received from 10 June 2026 and are subject to change without notice. Borrowers who acquired or applied for these products before this date may have a different interest rate. |
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The Total Home Loan Package Home Buyer Scheme interest rates and maximum LVR are exclusive to borrowers eligible for and participating in the Australian Government 5% Deposit Scheme. This includes the General Stream and Single Parent Stream. Maximum LVR under the Single Parent Stream is 98%. Eligibility for the Scheme and relevant guarantees is available on the Housing Australia website or by contacting us. |
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Eligible under the Family Home Guarantee for loans with LVR ≤98%. |
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Comparison rates are based on a $150,000 loan over a term of 25 years. WARNING: This comparison rate is 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. |
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All applications for credit are subject to Beyond Bank’s credit assessment criteria. Terms and conditions are available on request. Fees and charges apply. This information is available on our website at beyondbank.com.au/about-us/corporate-governance/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch. |
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All products and services are provided by Beyond Bank Australia Ltd, 100 Waymouth Street, Adelaide, SA 5000, ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2026. |