|Buy existing||Buy an established home in a metropolitan area across South Australia. Not available for construction.|
|Low deposit||Get started with as little as a 3% deposit plus upfront costs to buy an established property.|
|Save on Lenders Mortgage Insurance (LMI)||Most lenders charge Lenders Mortgage Insurance. We have a Loan Provision Charge instead which costs a lot less for most customers.|
|Manageable home loan repayments||Our Repayment Safeguard helps take the stress out of interest rate changes by making your repayments more predictable.|
|Interest rate options||Choose a variable, fixed or split interest rate. Fixed rates are available for terms of 1-3 years.|
|No monthly account keeping fees||HomeStart's home loans have no account keeping fees.|
|Voluntary loan repayments||Fee free voluntary repayments (capped at $10,000 p.a. for fixed rates).|
|Redraw||Available after 12 months if you have made voluntary loan repayments.|
|Repayment holidays||Take a break from your home loan repayments.|
|Use your equity||As your equity grows, you may have the option to use it to renovate or make home improvements.|
Have a Certificate III or higher qualification? You may be eligible for HomeStart's Graduate Loan.
*May not be available for all regions.
Eligibility criteria, terms and conditions apply. Fees and charges are payable.