First Home Loans | Apply Online

Buying your first home is a significant milestone and finding the right loan for your circumstances could help get you into the property market sooner. Navigating the jargon and the buying process can feel overwhelming, but we’re here to support you on your home ownership journey so you can make your move.

First Home Buyer Loan - Owner Occupied

Knowing where to start can be the biggest hurdle. Get the step up you need with our comprehensive First Home Buyer Loan.

Competitive interest rate
100% offset account
Up to 40 year term available

4.99%p.a. Interest rate
5.04%p.a.
Comparison rate

Apply Now Read More

Fixed Rate Home Loan - Owner Occupied

The security of a fixed rate, providing you with the certainty of knowing your home loan repayments won't change during the fixed rate period.

Flexible repayment frequency
Extra repayments available
Redraw available

4.85%p.a. Interest rate
4.93%p.a.
Comparison rate

Apply Now Read More

Advantage Home Loan - Owner Occupied

Manage your home loan the way you want with our low variable interest rate home loan. Choose what’s right for you with the flexibility of an optional offset account.

Competitive interest rate
Optional 100% offset
$0 establishment fee

5.34%p.a. Interest rate
5.39%p.a.
Comparison rate

Apply Now Read More

Other first home buyer assistance

First Home Owner Grant: The First Home Owner Grant is a government scheme providing a one-off payment for eligible first home buyers who purchase or build a residential property to live in.

Stamp duty concessions: Stamp duty is a tax levied by state or territory governments on certain purchases, including buying a home, land, or investment property. Depending on your state or territory, you may be eligible for concessions as a first home buyer.

The First Home Super Saver Scheme: The First Home Super Saver Scheme allows you to save money for your first home using your superannuation fund. This scheme, run by the Australian Taxation Office (ATO), helps first home buyers save faster by allowing them to withdraw voluntary super contributions they’ve made to their super.

Boost to Buy Home Ownership Scheme: Unity Bank is an approved lender for the Queensland Government's Boost to Buy Home Ownership Scheme, supporting eligible first home buyers to purchase a home sooner in Queensland. Visit the Unity Bank website for more information.

Additional Information

We're ready to help you

NSW Ambulance 2025 Employee of the Year

Scam Alert: Increased scam activity following Bondi Beach Attack

Footnotes:

¹ Eligibility criteria, terms and conditions and fees and charges apply.
² Comparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
³ Special offer only available for new security. Not available for existing G&C Mutual Bank loans. Offer ends 15 February 2026 and may be amended or withdrawn at any time.
⁴ Eligibility criteria, terms & conditions and fees & charges apply. 3 year Fixed Rate Principal & Interest Owner Occupied Home Loan. Refer to interest rate schedule for full list of interest rates. Offset account not available on this product.
⁵ Minimum redraw amount of $100 applies.
⁶ Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR).
⁷ An offset account is optional. The inclusion of an offset account increases the home loan interest rate by 0.10%.

Buy my first home

First Home Buyer Loan - Owner Occupied

Fixed Rate Home Loan - Owner Occupied

Advantage Home Loan - Owner Occupied

We're ready to help you

NSW Ambulance 2025 Employee of the Year

Scam Alert: Increased scam activity following Bondi Beach Attack

Footnotes: