First Home Buyers

---

The amount required can vary depending on your circumstances, the lender, property and applicable lending requirements. A lower deposit may also have additional implications that should be considered.  

Borrowing capacity depends on factors such as income, expenses, existing commitments and lender assessment criteria. Our borrowing power calculator can provide an indicative starting point, but it isn't a loan approval. 

Depending on your circumstances and property purchase, you may need to consider government charges, conveyancing, inspections, lender fees and other transaction-related costs. 

Some eligible borrowers may have access to lending or government initiatives that can support a lower-deposit purchase, subject to eligibility and applicable conditions. 

Both fixed and variable loans can have different benefits, limitations and features. The appropriate structure depends on your circumstances, preferences and objectives.
 

 Some lenders offer guarantor arrangements, subject to their eligibility requirements and the circumstances of the borrower and guarantor.
 

Depending on your circumstances, a lender may provide an indication of borrowing capacity or pre-approval subject to its assessment process and conditions. Pre-approval isn't the same as unconditional loan approval.