Home loan guides

Types of home loans

Understand the different types of home loans and repayment options.

The home loan glossary

We’ve put together a list of the most common home loan terms you’ll come across − and what they really mean.

The home loan approval process

From conditional to unconditional approval, we’ll breakdown the ins and outs of when to apply and what to consider.

The costs of buying a home

There can be lots of different upfront costs when buying a home. We’ve put together a handy list to help you avoid potential surprises.

Settlement process

To help you better understand and prepare for settlement, we take you through what to do at various stages – from making an offer on a property through to settlement day.

Guide to home loans for self-employed

Home loan applications for people who are self-employed, or business owners, have unique requirements – here’s what you need to know.

Your ultimate first home buyer checklist

We’re making buying your first home less confusing. With the ultimate checklist, you’ll know what to expect at every step of the way.

How much do I need for a deposit?

We get it. Owning your own home isn’t as easy as it used to be. But that doesn’t mean it isn’t still possible. A good strategy and a little bit of planning can help you get there.

Buying your first home while you rent

Rentvesting is becoming a more common way for people to enter the property market.

Alternative ways to buy your first home

If you’re thinking about buying your own home, it’s a good time to understand all your options – especially when you’re trying to save for a deposit.

Guarantor home loans

Saving for a home deposit can be slow going. One way to speed things up and help get you into your own home faster is with a Family Guarantee.

How to save for a house deposit

Check out our tips for saving towards a house deposit and get closer to that goal of buying your dream home.

How to refinance your home loan

It’s important to regularly review your home loan to make sure it still works for you. If you’re thinking about switching home loans, here’s our easy guide to how refinancing works.

6 reasons to refinance your home loan

Life’s always changing. Since you bought your home, your situation may be different. There might be another home loan that’s more suited to your life now.

Renovate or relocate?

If you’ve been in your home for a while, you might be ready for a change. But do you renovate? Or do you sell up and move somewhere else?

Ways to finance your renovations

There are a few ways to pay for home renovations, and it really depends on the size of the project and your budget.

What to consider before you build your home

There’s a lot to work out before those first bricks are laid, and having a firm plan of attack will set you up for success.

How do construction loans work?

Here’s a general breakdown of what happens when you get a construction loan, from the start of the build to getting the keys to your new home.

Getting ready to sell your home

Whether you’re planning to buy another property or settle into retirement, here are some things to know beforehand.

Using equity to buy another property

A popular way to buy a second property, including an investment property, is to use the equity on your existing home.

Property investment – tax claims, costs and benefits

Thinking about investing in property? Here are some important tax considerations.

How to use redraw

When you make extra repayments on your eligible home loan, this money builds up in surplus. You can access it if you need to through what’s called a redraw facility.

Take control of your finances with debt consolidation

If you’re juggling multiple debts, one way to simplify your finances is to bring all your loans together.

Your guide to a home loan top up (increase)

If you’ve had your home loan for a while, it’s worth checking to see if there’s equity available in your property.

Using an offset account to help pay off your mortgage sooner

Here, we give you some tips to help you make the most of an offset account.

How to pay off your home loan faster

Little changes can have a big impact on the time it takes to pay off your home loan — and how much you could save.