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Make the big steps easier

First Home Buyer Hub

There's a lot to think about when buying your first home, but we’re here to help. From saving the deposit and helping you understand the process, to finding the perfect property – you can trust our experienced lenders to be there with you every step of the way.

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Getting started is simple

Speak with an experienced home lender at a time and place that suits you – whether that's in a branch, from the comfort of your home, or even via a video call, we're here to make it as easy as possible for you.

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First Home Guarantee

Find out how you could get into your first home with as little as a 5% deposit with the First Home Guarantee.

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Want to find out how much you could borrow?

Use our handy home loan borrowing calculator to figure it out!

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Saving for a house deposit

Before you start scrolling home opens, it pays to spend some time planning how you'll save your deposit. We've listed some simple steps so that you can get into your first home sooner.

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Understanding home loan rates

We’ve taken a closer look at the different types of rates available and explained the differences to help you choose the type that will suit you best.

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Set yourself up for a successful application

Before you start viewing houses and dreaming about the endless styling options, there are a few things you can do to try and ensure your application will be approved.

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Compare home loans

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Interest rate 3.14% p.a.
Comparison rate 3.14% p.a.
Overview Our OMG Home Loan offers a variety of great low rates depending on your loan to value ratio (LVR), with no ongoing fees.
Establishment fee $0
Monthly fee $0
100% offset account
Redraw available
Interest only available at different interest rates
Maximum loan term 30 years
Minimum loan amount $100,000

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Interest rate From 2.94% p.a.
Comparison rate From 2.94% p.a.
Overview A variable rate home loan with the flexibility to use your savings to reduce the interest you pay.
Establishment fee $0
Monthly fee $0
100% offset account
Redraw available
(minimum $1,000)
Interest only available at different interest rates
Maximum loan term 30 years
Minimum loan amount $50,000

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Interest rate 4.09% p.a.
Comparison rate 4.68% p.a.
Overview Secure a low rate and enjoy the certainty of repayments, with our owner occupied Fixed Rate Home Loan.
Establishment fee $0
Monthly fee $0
100% offset account
Redraw available
Interest only available at different interest rates
Maximum loan term 30 years
Minimum loan amount $20,000

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Get in touch with one of our home lenders

We know your time is precious, that's why our home lenders can work around your schedule. Book an appointment in one of our 21 branches, over video call, or we can come to you at work or at home.

Meet the team

Ready to get started? Book an appointment with a home loan specialist!

Helpful calculators

Use our calculators to compare home loans, work out how much your repayments might be, and more.

Home loan repayment calculator

Work out what your repayments might be, and learn how varying factors can affect the numbers over the life of the loan.

Calculate now

Home loan comparison calculator

Use this calculator to find out how different loan rates, fees and terms compare to find the perfect loan for your situation.

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Important information


    Credit eligibility criteria, terms & conditions and fees & charges apply and are available upon request.

    Credit products issued by Police & Nurses Limited (bcu) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Lending criteria, terms & conditions, fees & charges apply. Rates subject to change. Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. For variable Interest Only loans, comparison rates are based on an initial 3 year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

    Download Credit Guide

    Create a Home Loan Key Facts Sheet