This home loan offers a honeymoon rate for the first 18 months to first homeowners. Paying lower repayments and a lower interest during these critical months will help take the pressure off owning your first home.
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Low honeymoon rate for 18 months |  |
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Additional repayments can be made at any time | |
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Convert to a home loan product of your choice | |
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No transaction fees for the life of your home loan^ | |
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No monthly account keeping fees |
Only members eligible for the First Home Owner Grant can apply for this home loan.
| Key Features | |
| Variable interest rate | View our interest rates |
| Minimum amount | $0 |
| Maximum amount |
$1,000,000 |
| Loan period | Up to 30 years |
| Repayments | Monthly / Fortnightly / Weekly |
| Interest charges | Calculated daily, charged monthly |
| Monthly account keeping fees | No |
| Annual fees | No |
| Flexible and lump sum repayments | Yes |
| Split with other loans | Yes |
| Loan repayment insurance available | Yes |
| Early repayments fees | Yes (only within the first 5 years) |
| Establishment fee | $350 |
| Pre-approved $5,000 Visa Credit Card* | Yes |
| Pre-approval - we can approve your loan in advance | Yes |
| Free mobile lending service** | Yes |
| No transaction fees for the life of your home loan^ | Yes |
| Redraw facility | No |
More Information
- Read the benefits of our Mobile Mortgage Lending Service
- Read the benefits of our Home Loans
- Need answers? Read our list of FAQs
- Use one of our Loan Calculators to work out what loan is right for you
Apply
Apply for a Home Loan 
Questions?
If you have any questions, please contact us 
*Terms, conditions, fees, charges and credit criteria apply.
**This service is available in metropolitan Sydney, Newcastle and the Hunter region
^The 'no transaction fees' offer only applies on single membership and is not available to memberships with Commercial Loan accounts. Fees charged by a third party supplier will still be payable. See our Fees and Charges for full details.
