HSBC home loan repayment calculator

Thinking about taking out a home loan with HSBC? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how HSBC home loans compare with other options.

I am an

With a repayment type

Borrow amount

$

Deposit amount %

Loan term

Your estimated mortgage repayments

at interest rate 2.44%

Total interest payable

$0

Total loan repayments

$0

Pros and cons

  • Large variety of home loan products.
  • Extensive customer support.
  • Opportunity to bundle with other HSBC products.
  • Offers discounts on interest rates.
  • Some loans have moderate to high fees.
  • Some interest rates aren’t competitive.

HSBC home loans rates

Advertised Rate

2.44%

Variable

Total estimated upfront fees
$0
Comparison Rate*

2.45%

Ongoing fee
$0
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Advertised Rate

2.49%

Variable

Total estimated upfront fees
$0
Comparison Rate*

2.50%

Ongoing fee
$0
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Advertised Rate

2.54%

Variable

Total estimated upfront fees
$0
Comparison Rate*

2.55%

Ongoing fee
$0
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Advertised Rate

2.69%

Variable

Total estimated upfront fees
$750
Comparison Rate*

2.70%

Ongoing fee
$0
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Advertised Rate

2.94%

Variable

Total estimated upfront fees
$750
Comparison Rate*

2.79%

Ongoing fee
$0
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Advertised Rate

1.88%

Fixed - 2 years

Total estimated upfront fees
$0
Comparison Rate*

2.86%

Ongoing fee
$390 annually
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Advertised Rate

2.09%

Fixed - 3 years

Total estimated upfront fees
$0
Comparison Rate*

2.86%

Ongoing fee
$390 annually
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Advertised Rate

2.89%

Variable

Total estimated upfront fees
$750
Comparison Rate*

2.90%

Ongoing fee
$0
Go to site
More details
Advertised Rate

2.54%

Variable

Total estimated upfront fees
$450
Comparison Rate*

2.97%

Ongoing fee
$390 annually
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More details
Advertised Rate

2.54%

Variable

Total estimated upfront fees
$150
Comparison Rate*

2.97%

Ongoing fee
$390 annually
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Advertised Rate

2.98%

Variable

Total estimated upfront fees
$750
Comparison Rate*

2.99%

Ongoing fee
$0
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Advertised Rate

3.14%

Variable

Total estimated upfront fees
$750
Comparison Rate*

2.99%

Ongoing fee
$0
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Advertised Rate

2.29%

Fixed - 3 years

Total estimated upfront fees
$0
Comparison Rate*

3.00%

Ongoing fee
$0
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Advertised Rate

2.60%

Fixed - 5 years

Total estimated upfront fees
$0
Comparison Rate*

3.00%

Ongoing fee
$390 annually
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Advertised Rate

2.30%

Fixed - 2 years

Total estimated upfront fees
$0
Comparison Rate*

3.01%

Ongoing fee
$390 annually
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Advertised Rate

2.40%

Fixed - 3 years

Total estimated upfront fees
$0
Comparison Rate*

3.01%

Ongoing fee
$390 annually
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Advertised Rate

2.09%

Fixed - 2 years

Total estimated upfront fees
$0
Comparison Rate*

3.03%

Ongoing fee
$0
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Advertised Rate

2.70%

Fixed - 5 years

Total estimated upfront fees
$0
Comparison Rate*

3.03%

Ongoing fee
$0
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Advertised Rate

2.30%

Fixed - 1 year

Total estimated upfront fees
$0
Comparison Rate*

3.04%

Ongoing fee
$390 annually
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Advertised Rate

2.15%

Fixed - 1 year

Total estimated upfront fees
$0
Comparison Rate*

3.07%

Ongoing fee
$390 annually
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Advertised Rate

2.64%

Variable

Total estimated upfront fees
$450
Comparison Rate*

3.07%

Ongoing fee
$390 annually
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Advertised Rate

2.75%

Fixed - 5 years

Total estimated upfront fees
$0
Comparison Rate*

3.11%

Ongoing fee
$390 annually
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Advertised Rate

2.39%

Fixed - 3 years

Total estimated upfront fees
$150
Comparison Rate*

3.12%

Ongoing fee
$390 annually
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Advertised Rate

2.69%

Variable

Total estimated upfront fees
$150
Comparison Rate*

3.12%

Ongoing fee
$390 annually
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Advertised Rate

2.25%

Fixed - 1 year

Total estimated upfront fees
$0
Comparison Rate*

3.13%

Ongoing fee
$0
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Advertised Rate

2.29%

Fixed - 2 years

Total estimated upfront fees
$150
Comparison Rate*

3.13%

Ongoing fee
$390 annually
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Advertised Rate

2.59%

Fixed - 3 years

Total estimated upfront fees
$150
Comparison Rate*

3.13%

Ongoing fee
$390 annually
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More details
Advertised Rate

2.49%

Fixed - 2 years

Total estimated upfront fees
$150
Comparison Rate*

3.14%

Ongoing fee
$390 annually
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Advertised Rate

3.13%

Variable

Total estimated upfront fees
$750
Comparison Rate*

3.14%

Ongoing fee
$0
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Advertised Rate

2.50%

Fixed - 3 years

Total estimated upfront fees
$0
Comparison Rate*

3.16%

Ongoing fee
$0
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Advertised Rate

2.74%

Variable

Total estimated upfront fees
$150
Comparison Rate*

3.17%

Ongoing fee
$390 annually
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Advertised Rate

2.39%

Fixed - 1 year

Total estimated upfront fees
$150
Comparison Rate*

3.18%

Ongoing fee
$390 annually
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Advertised Rate

2.69%

Fixed - 5 years

Total estimated upfront fees
$150
Comparison Rate*

3.18%

Ongoing fee
$390 annually
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Advertised Rate

2.85%

Fixed - 5 years

Total estimated upfront fees
$0
Comparison Rate*

3.18%

Ongoing fee
$0
Go to site
More details
Advertised Rate

2.59%

Fixed - 1 year

Total estimated upfront fees
$150
Comparison Rate*

3.19%

Ongoing fee
$390 annually
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Advertised Rate

2.89%

Fixed - 5 years

Total estimated upfront fees
$150
Comparison Rate*

3.20%

Ongoing fee
$390 annually
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Advertised Rate

2.40%

Fixed - 2 years

Total estimated upfront fees
$0
Comparison Rate*

3.21%

Ongoing fee
$0
Go to site
More details
Advertised Rate

2.79%

Variable

Total estimated upfront fees
$450
Comparison Rate*

3.21%

Ongoing fee
$390 annually
Go to site
More details
Advertised Rate

2.79%

Fixed - 5 years

Total estimated upfront fees
$750
Comparison Rate*

3.25%

Ongoing fee
$0
Go to site
More details
Advertised Rate

2.40%

Fixed - 1 year

Total estimated upfront fees
$0
Comparison Rate*

3.28%

Ongoing fee
$0
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Advertised Rate

2.49%

Fixed - 3 years

Total estimated upfront fees
$750
Comparison Rate*

3.28%

Ongoing fee
$0
Go to site
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Advertised Rate

2.69%

Fixed - 3 years

Total estimated upfront fees
$750
Comparison Rate*

3.33%

Ongoing fee
$0
Go to site
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Advertised Rate

2.39%

Fixed - 2 years

Total estimated upfront fees
$750
Comparison Rate*

3.34%

Ongoing fee
$0
Go to site
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Advertised Rate

2.99%

Fixed - 5 years

Total estimated upfront fees
$750
Comparison Rate*

3.34%

Ongoing fee
$0
Go to site
More details
Advertised Rate

2.85%

Fixed - 3 years

Total estimated upfront fees
$750
Comparison Rate*

3.36%

Ongoing fee
$0
Go to site
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Advertised Rate

2.59%

Fixed - 2 years

Total estimated upfront fees
$750
Comparison Rate*

3.37%

Ongoing fee
$0
Go to site
More details
Advertised Rate

2.75%

Fixed - 3 years

Total estimated upfront fees
$150
Comparison Rate*

3.39%

Ongoing fee
$390 annually
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More details
Advertised Rate

2.75%

Fixed - 2 years

Total estimated upfront fees
$750
Comparison Rate*

3.39%

Ongoing fee
$0
Go to site
More details
Advertised Rate

2.65%

Fixed - 2 years

Total estimated upfront fees
$150
Comparison Rate*

3.40%

Ongoing fee
$390 annually
Go to site
More details
Advertised Rate

2.99%

Variable

Total estimated upfront fees
$450
Comparison Rate*

3.41%

Ongoing fee
$390 annually
Go to site
More details
Advertised Rate

2.49%

Fixed - 1 year

Total estimated upfront fees
$750
Comparison Rate*

3.44%

Ongoing fee
$0
Go to site
More details
Advertised Rate

2.65%

Fixed - 1 year

Total estimated upfront fees
$150
Comparison Rate*

3.45%

Ongoing fee
$390 annually
Go to site
More details
Advertised Rate

2.69%

Fixed - 1 year

Total estimated upfront fees
$750
Comparison Rate*

3.45%

Ongoing fee
$0
Go to site
More details
Advertised Rate

2.75%

Fixed - 1 year

Total estimated upfront fees
$750
Comparison Rate*

3.45%

Ongoing fee
$0
Go to site
More details
Advertised Rate

3.08%

Variable

Total estimated upfront fees
$150
Comparison Rate*

3.47%

Ongoing fee
$390 annually
Go to site
More details
Advertised Rate

3.08%

Variable

Total estimated upfront fees
$150
Comparison Rate*

3.47%

Ongoing fee
$390 annually
Go to site
More details
Advertised Rate

3.00%

Fixed - 3 years

Total estimated upfront fees
$750
Comparison Rate*

3.51%

Ongoing fee
$0
Go to site
More details
Advertised Rate

2.90%

Fixed - 3 years

Total estimated upfront fees
$150
Comparison Rate*

3.53%

Ongoing fee
$390 annually
Go to site
More details
Advertised Rate

2.90%

Fixed - 2 years

Total estimated upfront fees
$750
Comparison Rate*

3.54%

Ongoing fee
$0
Go to site
More details
Advertised Rate

2.80%

Fixed - 2 years

Total estimated upfront fees
$150
Comparison Rate*

3.55%

Ongoing fee
$390 annually
Go to site
More details
Advertised Rate

2.80%

Fixed - 1 year

Total estimated upfront fees
$150
Comparison Rate*

3.59%

Ongoing fee
$390 annually
Go to site
More details
Advertised Rate

2.90%

Fixed - 1 year

Total estimated upfront fees
$750
Comparison Rate*

3.60%

Ongoing fee
$0
Go to site
More details
Advertised Rate

3.23%

Variable

Total estimated upfront fees
$150
Comparison Rate*

3.61%

Ongoing fee
$390 annually
Go to site
More details
Advertised Rate

4.59%

Variable

Total estimated upfront fees
$750
Comparison Rate*

4.65%

Ongoing fee
$0
Go to site
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Advertised Rate

4.51%

Variable

Total estimated upfront fees
$750
Comparison Rate*

4.91%

Ongoing fee
$0
Go to site
More details
Advertised Rate

4.51%

Variable

Total estimated upfront fees
$750
Comparison Rate*

4.93%

Ongoing fee
$0
Go to site
More details
Advertised Rate

4.51%

Variable

Total estimated upfront fees
$750
Comparison Rate*

4.93%

Ongoing fee
$0
Go to site
More details
Advertised Rate

5.13%

Variable

Total estimated upfront fees
$750
Comparison Rate*

5.54%

Ongoing fee
$0
Go to site
More details
Advertised Rate

5.13%

Variable

Total estimated upfront fees
$750
Comparison Rate*

5.54%

Ongoing fee
$0
Go to site
More details
Advertised Rate

5.53%

Variable

Total estimated upfront fees
$750
Comparison Rate*

5.59%

Ongoing fee
$0
Go to site
More details
Advertised Rate

5.38%

Variable

Total estimated upfront fees
$750
Comparison Rate*

5.61%

Ongoing fee
$0
Go to site
More details

HSBC customer service

HSBC customers are spoilt for choice when it comes to contacting customer support. The HSBC contact centre hotline operates round the clock giving account holders 24/7 access to customer support. In addition, HSBC customer can contact a personal banking representative directly by email or by using the online enquiry form. HSBC also gives its customers the option of directing customer enquiries through Twitter. Customers also have the option of chatting directly with HSBC customer support through the online chat function on the HSBC website.

  • Customer service (phone, email branch)
  • Mobile app
  • Online banking
  • Live Chat

How to Apply

Borrowers wanting to apply for an HSBC home loan can either complete an online enquiry form, pop into a branch or call through to the Contact Centre for more support. Before applying for an HSBC home loan, consider what you can afford to borrow and what other costs you need to factor in. To apply for an HSBC home loan, you will need to supply the following information:

  • Proof of identity by providing 100 points of identification.
  • Proof of income and employment including employers contact details.
  • Provide a list of debts, assets and liabilities.

About HSBC home loans

HSBC home loans are popular options for investors buying property using foreign currency (expatriate home loans and market linked home loans) thanks to the bank’s large presence in Hong Kong.

However, it also offers a range of other home loans, including owner-occupier home loans, local investor home loans, construction loans and lines of credit.

HSBC offers home loans to suit a variety of borrowers in Australia:

  • Investors
  • First homebuyers
  • Renovators
  • Upgraders
  • Refinancers
  • Seniors (home equity loans)

Borrowers can also choose from a variety of interest rate options on HSBC mortgages:

  • Principal-and-interest home loans
  • Interest-only home loans
  • Split home loans
  • Variable interest rates
  • Fixed interest rates

Some HSBC home loans come with limited-time interest rate discounts and other introductory offers. HSBC Premier home loans also offer additional benefits to customers who meet the eligibility requirements.

HSBC home loan rates

HSBC home loan rates range from moderately low to high depending on the type of borrower and home loan. Generally speaking, owner occupiers paying principal and interest receive the lowest interest rates while investors paying interest only receive the highest interest rates.

Home loan rates can also vary based on whether they are variable or fixed, and how much of a deposit is put down.

Typically, HSBC borrowers who can make large deposits can also negotiate lower interest rates. With this in mind, HSBC home loans are generally geared towards customers with existing capital – although high-LVR loans are available in some circumstances.

In terms of fees, upfront fees tend to be high, while ongoing fees tend to be very low. A discharge fee may also apply at the end of the loan term. Loan repayments can be made weekly, fortnightly or monthly.

HSBC home loans review

HSBC offers a range of home loan options, primarily aimed at overseas and local investors. However, it also offers home loans for first homebuyers, upgraders and refinancers.

While some HSBC home loans come with moderately low interest rates, others attract high interest rates – so it’s important to compare what’s on the market before deciding if an HSBC home loan is the most suitable option.

Similarly, some HSBC mortgages come with an offset account and redraw facility while others don’t, meaning the level of flexibility depends on the type of home loan chosen.

Although HSBC is an established and well-known bank, it isn’t necessarily the cheapest when it comes to interest rates and fees. Borrowers may get the most value out of their home loan by taking advantage of rate discounts, special offers or other benefits through HSBC Premier.

Learn more about home loans

Does the Home Loan Rate Promise apply to discounted interest rate offers, such as honeymoon rates?

No. Temporary discounts to home loan interest rates will expire after a limited time, so they aren’t valid for comparing home loans as part of the Home Loan Rate Promise.

However, if your home loan has been discounted from the lender’s standard rate on a permanent basis, you can check if we can find an even lower rate that could apply to you.

How do I apply for a home improvement loan?

When you want to renovate your home, you may need to take out a loan to cover the costs. You could apply for a home improvement loan, which is a personal loan that you use to cover the costs of your home renovations. There is no difference between applying for this type of home improvement loan and applying for a standard personal loan. It would be best to check and compare the features, fees and details of the loan before applying. 

Besides taking out a home improvement loan, you could also:

  1. Use the equity in your house: Equity is the difference between your property’s value and the amount you still owe on your home loan. You may be able to access this equity by refinancing your home loan and then using it to finance your home improvement.  Speak with your lender or a mortgage broker about accessing your equity.
  2. Utilise the redraw facility of your home loan: Check whether the existing home loan has a redraw facility. A redraw facility allows you to access additional funds you’ve repaid into your home loan. Some lenders offer this on variable rate home loans but not on fixed. If this option is available to you, contact your lender to discuss how to access it.
  3. Apply for a construction loan: A construction loan is typically used when constructing a new property but can also be used as a home renovation loan. You may find that a construction loan is a suitable option as it enables you to draw funds as your renovation project progresses. You can compare construction home loans online or speak to a mortgage broker about taking out such a loan.
  4. Look into government grants: Check whether there are any government grants offered when you need the funds and whether you qualify. Initiatives like the HomeBuilder Grant were offered by the Federal Government for a limited period until April 2021. They could help fund your renovations either in full or just partially.  

Can first home buyers apply for an ING home loan?

First home buyers can apply for an ING home loan, but first, they need to select the most suitable home loan product and calculate the initial deposit on their home loan. 

First-time buyers can also use ING’s online tool to estimate the amount they can borrow. ING offers home loan applicants a free property report to look up property value estimates. 

First home loan applicants struggling to understand the terms used may consider looking up ING’s first home buyer guide. Once the home buyer is ready to apply for the loan, they can complete an online application or call ING at 1800 100 258 during regular business hours.

How can I apply for a first home buyers loan with Commonwealth Bank?

Getting a home loan requires planning and research. If you are considering a home loan with the Commonwealth Bank, you can find the information you need in the buying your first home section of the bank’s website.

You can see the steps you should take before applying for the loan and use the calculators to work out how much you can borrow, what your monthly repayments would be and the upfront costs you’d likely pay.

You can also book a time with a Commonwealth first home loan specialist by calling 13 2221.

CommBank publishes a property report that may help you understand the real estate market. The bank has also created a CommBank Property App that you can use to search for property.  The link to download this app is available on the same webpage.

If you are eligible for the First Home Loan Deposit Scheme, CommBank will help you process your application. The scheme helps first home buyers to purchase a home with a low deposit. You can read details about this scheme here and speak with a CommBank home lending specialist to understand your options.

What are the NAB term deposit interest rates for businesses?

If you’re looking to lock in a return on your business savings, one option is a business term deposit with NAB. The big four bank provides competitive interest rates while giving you the flexibility to choose the term. NAB offers business term deposit interest rates for investments of between $5,000 to $499,999.

NAB doesn’t charge any monthly account or application fees. The interest is calculated daily and for the 90-day term and six months term, you will get paid when the deposit matures. For the 12 months term, you can either choose to get paid monthly, quarterly, half-yearly or annually. 

If you wish to withdraw your funds before the deposit matures, you need to give NAB 31 days notice. However, they do make exceptions if you’re experiencing hardship and need the funds immediately. Either way, you may have to bear the prepayment cost, which you can learn more about in the Terms and Conditions.

Why should I get an ING home loan pre-approval?

When you apply for an ING home loan pre-approval, you might be required to provide proof of employment and income, savings, as well as details on any on-going debts. The lender could also make a credit enquiry against your name. If you’re pre-approved, you will know how much money ING is willing to lend you. 

Please note, however, that a pre-approval is nothing more than an idea of your ability to borrow funds and is not the final approval. You should receive the home loan approval  only after finalising the property and submitting a formal loan application to the lender, ING. Additionally, a pre-approval does not stay valid indefinitely, since your financial circumstances and the home loan market could change overnight.

 

 

How long does Bankwest take to approve home loans?

Full approval for a home loan usually involves a property valuation, which, Bankwest suggests, can take “a week or two”. As a result, getting your home loan approved may take longer. However, you may get full approval within this time if you applied for and received conditional approval, sometimes called a pre-approval, from Bankwest before finalising the home you want to buy.  

Another way of speeding up approvals can be by completing, signing, and submitting your home loan application digitally. Essentially, you give the bank or your mortgage broker a copy of your home’s sale contract and then complete the rest of the steps online. Bankwest has claimed this cuts the approval time to less than four days, although this may only happen if your income and credit history can be verified easily, or if your home’s valuation doesn’t take time.

How do I get a pre-approved home loan with Aussie?

Getting Aussie home loan pre-approval means receiving conditional support from Aussie Home Loans to borrow the money you need to buy a home. 

It’s an indication of the approximate amount Aussie may offer you, subject to some terms and conditions. Keep in mind, having a pre-approved home loan does not guarantee an actual approval of your loan when it comes time to buy.

Aussie home loan pre-approval often involves speaking to one of the lender’s brokers. You can make an appointment online. You’ll often have to submit your personal details and other information about your assets, income, liabilities and expenses.  It’s worth remembering that a pre-approved loan is usually valid for a few months.

Does UBank offer home loan pre-approvals?

If you’re applying for a home loan with UBank, you can first get an approval in principle. You’ll need to provide information about your job and earnings, your household expenses, the assets you own and the debts you owe. 

UBank will assign a home loan specialist to discuss these details over a phone call, which can take about 30 minutes. 

The bank will then confirm if you’ve received in-principle approval for your home loan. Depending on how you submit your documents, this could take a few days or a few weeks. If successful, the approval will be valid for 60 days. 

Can I get a NAB first home loan?

The First Home Loan Deposit Scheme of NAB helps first home buyers purchase a property sooner by reducing the upfront costs required. This scheme is offered based on a Government-backed initiative, with10,000 available places announced in October 2020.

Suppose your application for the NAB first home buyer loan is successful. In that case, you’ll only need to pay a low deposit, between 5 and 20 per cent of the property value and won’t be asked to pay lender's mortgage insurance (LMI). You’ll also receive a limited guarantee from the Australian government to purchase the property.

If you’re applying for the NAB first home buyer home loan as an individual, you need to have earned less than $125,000 in the last financial year. Couples applying for the NAB first home loan need to have earned less than $200,000 to be eligible. To be considered a couple, you need to be married or in a de facto relationship. A parent and child, siblings or friends are not considered a couple when applying for a NAB first home loan.

The NAB First Home Loan Deposit Scheme is currently offered only to purchase a brand new property, rather than an established property.

How do I get a Suncorp home loan pre-approval?

Getting home loan pre-approval helps you work out a budget to help you search for a suitable property and make an offer with confidence. Once you put in an application, you should get your pre-approval outcome within two business days. To help get a fast turnaround time of your pre-approval application, ensure all the information and documentation that Suncorp requires. This includes proof of identification, recent payslips, bank account and credit card statements.

You can submit the home loan pre-approval application online. You’ll be asked for information about your income, expenses, assets, and debts. It should take you about 10 minutes to fill out the application, and you can do it free of charge. A Suncorp lending specialist will review your application and contact you within 24 hours or the next working day. Suncorp will not run a credit check until you have heard from this lending specialist.

Once you get Suncorp home loan pre-approval, it’s valid for 90 days. If you don’t find a property you wish to buy in this time you may be able to apply for an extension, speak to your Suncorp lending specialist about this.

Does Westpac offer loan maternity leave options?

Having a baby or planning for one can bring about a lot of changes in your life, including to the hip pocket. You may need to re-do the budget to make sure you can afford the upcoming expenses, especially if one partner is taking parental leave to look after the little one. 

Some families find it difficult to meet their home loan repayment obligations during this period. Flexible options, such as the Westpac home loan maternity leave offerings, have been put together to help reduce the pressure of repayments during parental leave.

Westpac offers a couple of choices, depending on your circumstances:

  • Parental Leave Mortgage Repayment Reduction: You could get your home loan repayments reduced for up to 12 months for home loans with a term longer than a year. 
  • Mortgage Repayment Pause: You can pause repayments while on maternity leave, provided you’ve made additional repayments earlier.

When applying for a home loan while pregnant, Westpac has said it will recognise paid maternity leave and back-to-work salaries. All you need is a letter from your employer verifying your return-to-work date and the nature of your employment. Your partner’s income, government entitlements, savings and investments will may help your application.

How do you qualify for a CBA home loan with casual employment?

Qualifying for a home loan without a full-time job may be challenging, but it can be done. The first step is to understand how a CBA home loan is assessed when you have casual employment.

Most lenders will assess your expenses and savings while checking your loan eligibility, checking on factors crucial to home loan approval, such as if your bills are paid on time and what your credit score presently looks like. 

Your income can be one of the most critical factors to determine your final approved home loan amount. As such, you’ll need to provide payslip copies to lenders to assist them in assessing your income during the loan tenure, regardless of your employment status, full-time, part-time, or otherwise.

Casual employees will want to be casually employed for at least 12 months to be eligible for a home loan. Alternatively, you want to have worked as a permanent casual worker (working for a fixed number of hours per week) for at least one month, or you should have been in your current job for a minimum of three months (if the hours are irregular) to be eligible for the loan.

Remaining loan term

The length of time it will take to pay off your current home loan, based on the currently-entered mortgage balance, monthly repayment and interest rate.

Where can I get all the information about an ANZ first home buyer’s loan?

As a first home buyer, you may require help and hand-holding, and as such ANZ has the buying your first home section on its website full of important information. ANZ also has a form in this section you can fill out to get a free consultation from an ANZ First Home Coach and create your own plan for buying your first home. This coach will help you understand where your current income is being spent and plan for your home loan repayments. You’ll get a clear picture of the costs involved in purchasing a property and how to budget or save for these costs. The coach will help you understand different deposit options and manage your accounts to enhance your savings.

There are three types of ANZ first home loans - Standard Variable, Fixed, and Equity Manager. The features, interest rates, and terms for each are different, and you can compare them here.

When they apply for an ANZ home loan, first home buyers can also get guidance on applying for the First Home Owner Grant (FHOG). This is a one-off government grant that may be available to you when you’re buying your first home. The eligibility criteria for FHOG differs between the different states and territories, which is why it’s helpful to have expert advice when applying.