Flexibility and understanding

At homeloans.com.au we know that saving for your first home can be challenging.
This is why we offer flexibility over how you save for a deposit for your first home. Whether you haven’t managed to save a 10% deposit, or
your deposit comes from a gift, inheritance or a first home owner’s grant (in which case, it isn’t classified as ‘genuine savings’), our Quickstart product can get you into your new home sooner than you think!

Owner Occupied


3.59 % PA

Variable Rate

3.61 % PA

Comparison Rate



2.29 % PA

Variable Rate

2.31 % PA

Comparison Rate

Rates shown apply up to 90-95% LVR without genuine savings as a deposit. Where genuine deposit savings apply, see our Low Rate Home Loan.

Quickstart home loan features

  • No monthly or annual fees
  • 100% offset account
  • Unlimited additional repayments
  • Free online redraw
  • Visa™ Loan Access Card
  • Customer Benefits Program
  • A new tree planted on your behalf

and charges

Valuation †
plus legal
+ legal


  • Loans up to 95% (plus LMI up to max 98%^) of the value of the property
  • Buying or refinancing an established (not off the plan or construction) residential property
  • Australian/New Zealand citizens or permanent residents living in Australia
  • A good credit history

    Note: If you’ve saved more than 5%, or your deposit is from ‘genuine savings’,
    you may be eligible for our Low Rate Home Loan

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Need to know:

Lender’s Mortgage Insurance (LMI) applicable. ^LMI premium may be included in loan amounts up to a maximum total loan to valuation ratio (LVR) of 98%. Eligibility criteria apply. Rates effective 1 February 2021 and subject to change. †Valuation cost up to a maximum of $500 provided free of charge. For valuation costs totalling more than $500, a fee may be payable by the applicant. Terms and conditions apply to all loan features. The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate is true only for the example 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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