First home buyers
Be prepared
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
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
Find out your buying power so you could start house hunting with confidence.
We’ll give you our lowest rate upfront, personalised to your buying scenario.
If you’ve found the perfect property (or you’re refinancing), we will complete a real-time bank valuation.
You can live chat with us to help you complete the application 7 days a week (even outside of business hours).
Special offer
$1,500 Cash back* when you buy a home
Receive $1,500 cash back* when you apply for a new Owner Occupied (Principal & Interest) or Investment home loan under the Advantage Package. $395 annual package fee and a $250k minimum loan size applies. Excludes Portfolio Loans and refinances. Applications received from 7 November 2018 to 31 December 2018, with loans settled by 28 February 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:
- Residential Loan Agreement - General Terms and Conditions
- Loan Accounts - Charges for specific services and accounts
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.
$1,500 New Purchase Cash back offer
*For new home loan applications received from 7 November 2018 to 31 December 2018 and settled by 28 February 2019 under the Advantage Package. Offer current as at 7 November 2018. Offer may be varied or withdrawn at any time. Excludes Portfolio Loans, refinances and Owner Occupied Interest Only loans. Advantage Package Terms and Conditions and a $395 annual package fee apply. Offer can be used in conjunction with the refinance cashback, with maximum one new purchase cash back and one refinance cash back payable per main applicant, and not available in conjunction with any other special offers. Applicants must have a St.George transaction account linked to the home loan at the time of settlement, and must keep this account for 60 days after settlement. Applicants’ home loan repayments must be direct debited from this transaction account. The cash back will be paid into this account within 60 days after settlement. 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 stgeorge.com.au. 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.
Credit criteria, fees and charges apply. Property valuation: valuation is valid for 90 days. Your upfront bank valuation assessment may require further valuation assessment if your property does not fit lending guidelines. Personalised rate: variable interest rates are subject to change, the rate discount is valid for 14 days. For fixed rates, discounts are valid for 5 days. Support and live chat: dedicated teams are here to help you 7 days a week. Available 8am-10pm Mon-Fri and 9am-5pm Sat-Sun. St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.