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Variable loan rate decrease - Bank Australia will decrease variable home loan and commercial rates in response to the RBA’s recent decision to cut the official cash rate. Learn more.

2023-06-23 12:09 pm

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Home loans

Guide to buying your first home

1. Before you buy 2. Choosing a bank 3. Getting a loan 4. Managing your loan Speak to a specialist

1. Planning to buy

Here’s where you’ll find the big considerations. Like how to target your search to properties within budget.

Budget planner calculator

Calculator

Is it better to rent or buy?

Article

What is the homebuying process?

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When is the best time to buy property?

Article

Who can help you when buying property?

Article

6 tips to negotiating a property price

Article

Tips for navigating a hot property market

Article

2. Choosing a bank and home loan

Questions to ask your lender

The language of lending

Understanding home loan types and rates

Bank Australia home loan range

3. Getting a home loan

See what’s involved in applying for a home loan and learn about timeframes and who does what.

What you need to know about saving for a deposit

Article

Shaping up your finances before you apply

Article

Homebuyer grants that can help you buy a home

Article

Costs involved in buying a home

Article

Stamp duty calculator

Calculator

How to apply for a home loan

Article

4. Managing your home loan

How do home loan offset accounts work?

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Ways to bank

Revisit our home loan products

Home loans for different needs including our low rate Basic Home Loan, the Offset Home Loan, and our reduced rate Clean Energy Home Loan.

See all rates and fees.

Home loan calculators

How much can I borrow?

Get a clearer understanding of your borrowing power.

Calculate your repayments

See repayments and understand affordability.

Refinance calculator

See your potential savings from moving your home loan to Bank Australia.

Customer story

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“Go for it”: How Murray and Bec switched to electric at their family home

With three young boys and a single bathroom, Murray and Bec desperately needed more space. A COVID renovation was the perfect excuse to make their house more sustainable. Enter Bank Australia’s Clean Energy Home Loan.

Learn more