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Home loans

Buying your first home.

Home ownership – a big, exciting life milestone that can also be downright confusing. If buying your first place is something that's been swirling around your mind, we’re here to simplify the journey and turn that daydream into a reality.

First home buyer loans Speak with a Lending Specialist
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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.

Book appointment

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Support for every stage.

 

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.

Am I eligible? 

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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.

Learn more about LMI        What's parent equity?

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Rates starting from

For 3 Year Fixed Total Home Loan Package Home Buyer Scheme ≤95% LVR^

5.19

%
p.a.
Interest rate

6.05

%
p.a.
Comparison rate*
Go to First Home Buyer Package

Ready to make a move?

Apply online

Apply for a loan or pre-approval in under 20 minutes.
Start application

Pre-qualify

Get clarity on how much you could comfortably borrow. No credit checks or commitments to choose us as your lender.
Pre-qualify now

 

First Home Buyers FAQs.

See all home loan FAQs

Why Beyond Bank?

Get to know us a little better. About us

We're customer-owned
Our profits go towards things that matter to you, like competitive rates, fairer fees and local customer service.
Community focus
We support more than 45 Australian communities through branches, community partnerships and employment opportunities.
Proudly B Corp Certified
We meet international standards of social and environmental performance, accountability, and transparency.
A long history of lending
We’ve been helping Australians own their own home for more than 65 years.

Help is here.

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Chat with a home loan expert at a time that suits you.
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Message us
Our live chat is available Monday to Friday 9am - 5pm, Saturday 9am - 3pm (Adelaide time). Excluding national public holidays.
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Monday to Friday 8am - 8pm, Saturday 9am - 3pm (Adelaide time). Excluding national public holidays.
Call 13 25 85