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What do you need to think about when buying your first home?

Repayments and budgeting
Before you apply, think about how your budget could accommodate repayments. Our repayment calculator could help.
Borrowing power
Estimate how much you could borrow by entering your income and expenses into our borrowing power calculator.
Purchase costs
Our stamp duty and lenders’ mortgage insurance calculator can help you estimate these property purchase costs.
Property reports
Check sales histories, estimated values and suburb trends with our online Property Market Research tool. 

First home buyers' guide

Buying your first place can be exciting, but also daunting and confusing. We've put together a concise guide to help you navigate the process.

Download the guide

How much deposit do I need?

The short answer is... it depends. Learn how the size of your deposit affects things like loan-to-value ratio (LVR) and lender’s mortgage insurance (LMI).

Read article

What affects my rate?

Are you an owner-occupier or investor? Do you want a fixed or variable rate? Compare our rates to see how these things affect your home loan.

Compare rates

Start your application 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.

Our Home Loans

We offer a range of mortgages to suit your needs with competitive interest rates.

Some key features

Learn about the different features of your home loan and see how they could affect you.

Important information

Credit criteria, fees and charges apply. Based on St.George credit criteria, residential lending is not available for Non-Australian resident borrowers.