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First home buyers

As a first home buyer, your home is more than a financial achievement. It gives you the freedom and creativity to express yourself and live the way you want to. Here are a few simple tips to help you buy your first home.

Be prepared

First home buyer

Research and plan ahead.  Be sure you know what type of property you want - is it a unit, a townhouse or a house? Our Property Insights Reports will provide you with information on recent comparable sales in your area. Make sure you're clear on your budget, based on what you can afford to repay each month.

You might also still be trying to save a large enough deposit to avoid paying Lenders Mortgage Insurance, however there may be other options available to you such as Family Pledge, which may help you get into your first home sooner.

Learn as much as you can

First home buyer

Before you make an offer on a property, it helps to do some research – take a look at the sale price of similar properties in the area, median house price and rental yields. 

Start your journey online

Learn how much you could borrow.

Receive indicative approval in under 15 minutes.

A home loan expert will call you once you have submitted your application to talk through next steps.



Special offer

$1k Cashback* when you buy a home

Apply for a new Owner Occupier (Principal & Interest) or Investment home loan with the Advantage Package. $395 annual package fee and $250k min loan per property applies. Excludes refinances. Applications received by 30 June 2019, with loan settled by 31 August 2019.


Featured home loans 

Advantage Package
Advantage Package1 could offer you discounts for the life of your loan

 Receive a discount on your eligible home loan interest rate and nil transaction fees on your linked Complete Freedom account (Annual fee of $3952 applies)

  Advantage Package also offers access to discounts available when you take up selected credit cards, insurance and wealth products

Talk to us 

Home Loan tools and calculators

To help you into your new home, view our full range of fixed rate, variable rate and package options.

Calculate how much you could borrow and what this could mean for your budget.

Important information.

Conditions, fees and credit criteria apply.

Before making a decision, it’s best to read the terms and conditions:

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 13 33 30.

Credit criteria, fees and charges apply.  The information on this page has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information and, if necessary, seek appropriate professional advice.  The taxation position described is a general statement and should be used as a guide.  It does not constitute tax advice and is based on current tax laws and their interpretation. St.George Bank- A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) (except workers compensation cover where applicable). St.George Bank – a Division of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) arranges the insurance, but does not guarantee the insurance.  WGIL is a subsidiary of the Bank.  This information does not take into account your personal circumstances.  Terms and conditions, and limitations and exclusions apply.  Read the Product Disclosure Statement, to see if the insurance is right for you.  Call  13 33 30 or visit a branch.

*$1,000 New Purchase Cashback

For new home loan applications received from 1 April 2019 to 30 June 2019 and settled by 31 August 2019 and taken as part of the Advantage Package. Offer current as at 1 April 2019. $250k min loan per property purchased. Only 1 cashback per property purchase will be paid regardless of the number of loans involved. Offer may be varied or withdrawn at any time. Excludes Owner Occupied Interest Only loans, Portfolio Loans, switches, refinances and residential lending originated under family or company trusts. Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Applicants must have a St.George transaction account linked to the home loan at the time of settlement, and must keep this account open for 60 days after settlement. The cashback will be paid into this account within 60 days after settlement. Applicants’ home loan repayments must be direct debited from this transaction account. Before deciding to acquire a St.George transaction account, read the terms and conditions and consider if the product is right for you. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

1. Discounts on products apply at time of application when you tell us you’re an Advantage Package customer.

2. Advantage Package Conditions of Use and Terms and Conditions apply and are available at Annual fee, currently $395, applies. Package benefits cannot be taken in conjunction with, or in addition to other special offers, negotiated rates or discounts.  Not available to company and trust account holders.