Helping more people in SA own a home

Police officers, firefighters and Technical College graduates are now eligible to apply for the 2% deposit Graduate Loan, giving more hard working South Australians a real chance to own their own home.

Home loans Calculators

Whether you're starting out on your home ownership journey or starting over, we have a range of options that can help make it a reality.

Low deposit home loans
Additional loans to boost borrowing capacity
Repayment Safeguard

Find the right home loan for you

Home Loan
With a HomeStart Loan, you can take the first step towards owning your home with as little as a 5% deposit to buy or 8% to build.
- 5% deposit to buy
- 8% deposit to build
Features

Repayment Safeguard

Options to borrow more

Make voluntary repayments

Variable, fixed or split rate

No Lenders Mortgage Insurance (LMI)

2% deposit for first home buyers if you build with a partner builder

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Home Loan
If you have a Certificate III or higher qualification*, you can start with a 2% deposit to buy an existing home, or 5% to build.
- 2% deposit to buy
- 5% deposit to build
Features

Repayment Safeguard

Options to borrow more

Make voluntary repayments

Variable, fixed or split rate

No Lenders Mortgage Insurance (LMI)

2% deposit if you build with a partner builder

Your qualification counts no matter when you received it

*Technical College graduates and front line police officers, fire fighters and defence force personnel without a Certificate III are also eligible.

Learn more Get in touch
Home Loan
Begin your journey to owning a home with as little as 3% deposit to buy an existing home, so you can get into your home sooner.
- 3% deposit to buy
Features

Repayment Safeguard

Options to borrow more

Make voluntary repayments

Variable, fixed or split rate

No Lenders Mortgage Insurance (LMI)

Learn more Get in touch

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Additional loans

When taking out a home loan with HomeStart, you also have the option of applying for an additional loan to help boost your overall home buying budget or help cover upfront costs, giving you more options.

Additional Loan to boost your budget

Boost your home buying budget by up to 25%.

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Additional Loan for upfront costs

Borrow up to $10,000 for upfront costs.

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Additional Loan to boost your budget

Boost your budget by up to $90,000.

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Unlock your home's equity

Once you’ve built up some equity in your home, HomeStart could help you unlock your equity to access funds with these additional loans.

Equity Loan

If you’re 60 or over, you can unlock your home’s equity with a ‘no negative equity’ guarantee through our reverse mortgage loan. You can also make voluntary repayments and there are no monthly account keeping fees.

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Equity Loan

The Home Equity Loan helps you access up to $20,000 in equity in your home and is available to current HomeStart customers to fund house related or non-house related expenses.

Learn more