How to apply for a home loan

How to apply for a home loan

We can provide you with a quick quote over the phone, and check your eligibility. If you would like to take the next steps, we can talk about them too.

To apply for a loan, simply contact us.

What you need when you call

For a quick quote, you will need:

  • details of your income (e.g. net salary and Centrelink income)
  • your employment type (e.g. full-time, part-time, casual, contract)
  • details of your debt commitments (e.g. personal loans, car loans, credit and store cards).

To be eligible for a loan you will need:

  • to be buying a home in South Australia, for residential use only
  • to be an Australian citizen or hold Permanent Residency or skilled migrant status in Australia
  • to be over 18 years of age
  • Rent and/or savings needs to be the same or more than the proposed HomeStart home loan repayment amount.

Other criteria may apply, depending on which loan you choose.

If you would prefer to speak with someone face-to-face, we can put you in touch with a mobile lender, or make a time for you to come in and see us.

You can also learn more about the home buying process by visiting our educational website MyStart for useful tips and information.