Making the move from renter to homeowner? Let us help you take the first step into your new home.
Buying your first home
Where do I start?
Buying your first home is a big commitment, but we'll help to take some of the pressure off by keeping things simple. We'll provide guidance on each step of the process and chat through your options, so you feel informed along the way.
Your deposit
Every bit you've saved means the less you'll need to borrow. You may be in a position to have enough deposit saved that you don't need any extra help. In most cases, your deposit needs to be 20% of value of the property you're looking to buy.
Pre-approval
When you’ve got your deposit sorted, you can get a pre-approval so you know exactly what price range you can start looking at.
House hunting
Once you’ve determined how you’ll get your deposit together, and spoken to us to sort a pre-approval, you’re ready for the fun part of house hunting!
Making an offer
So you’ve found a house that ticks the boxes, and you plan to make an offer. It’s an exciting time, but can also be quite daunting when you’ve never done anything like this before!
Home loan calculator
Get an idea of what you can afford
Other things
To think about...
Insurance
As well as house and contents insurance, you may also need to consider getting life insurance and mortgage repayment insurance. We can help – ask us how.
Solicitor/Lawyer
Before signing any sale and purchase agreement, you’ll need it looked over by a lawyer or solicitor. Ask family and friends for their recommendations.
Body Corporate fees
If you’re purchasing an apartment or townhouse that’s part of a complex, you’ll likely need to pay Body Corporate fees. These are charged on a regular basis and cover things like maintenance for common areas.
Other costs
Your loan payments aren’t the only cost you need to budget for. Don’t forget to include insurance, rates and ongoing maintenance costs.
Apply now
Apply online or chat to a lending specialist
You can start your application online today or send us an enquiry with your key details. One of our lending specialists will get in touch to chat through your home loan options, answer any questions and guide you through the home loan process.
Home loans
Your home loan options
Your rate
Whether you’re after the certainty of a fixed term, the flexibility of floating, or a combination of both, we have a range of competitive rates to offer.
Your home loan options
When it comes to loan type and repayment plans, one size doesn't fit all. Enjoy the freedom of a revolving credit, or make budgeting easier with a fixed home loan - whatever works best for you.
Work out your repayments
Align your repayments to suit your lifestyle, whether it's weekly, fortnightly, monthly or quarterly. Use our home loan calculator to see what your repayments could be.
Manage your home loan
With a little planning and some helpful home loan tools, you can shorten the length of your loan term, reduce the amount of interest you pay, and save money in the long run.
Don't forget to read this bit
All interest rates are subject to change. TSB’s current account opening criteria, current lending criteria, terms and conditions, fees and interest rates apply. Use of accounts and services are subject to TSB’s General Terms.