Take control of your first home purchase with our low-interest rate variable Home Loan. Everything you need is here to get you started, making it easier than ever to begin your home ownership journey.


  • Competitive interest rate
  • 100% offset account
  • No establishment fee
  • No monthly fee
  • Unlimited redraws5 and extra repayments


Helping you buy your first home with a smaller deposit

We’re proud to be working alongside the Australian Government providing support for buying a home through the Home Guarantee Scheme, First Home Guarantee and Family Home Guarantee to help even more Australian’s realise their dream of home ownership.

Check your eligibility on the Housing Australia website. If you're ineligible for these initiatives, we'll work with you to explore other options to help you get into your first home.


More information to help you on your journey

We understand that buying a home of your own, especially your first home, is one of the most significant financial decisions you will ever make, and the first home buying process can seem daunting. That's why we developed this guide, Buying your first home, to help first home buyers get started. By defining key terms to eliminate confusing jargon, information and providing additional information to help those looking to break into the housing market.

Whether you're saving for a deposit, seeking home loan pre-approval, or just need support navigating the process, we're ready to help you make your move. Speak to a Mobile Lenderapply online or contact us.


Principal & Interest Only
Owner Occupied Special Offer*

5.90 % p.a. Interest rate 5.93 % p.a. Comparison rate

Buying Your First Home Guide

Special Offer 

For a limited time, we have a number of home loan special offers* featuring a low interest rate and valuation fees waived up to $1000. It all adds up to simply great value. 

Product Features:

Home Loan Features
Minimum loan amount : No minimum
Maximum LVR : 80%
Maximum LVR with Lenders Mortgage Insurance : 95% (subject to approval)
Get Ahead Start Guarantor (borrow up to 100% LVR) : Yes
Maximum loan term : 40 years
Interest calculation : Calculated daily, charged monthly
Repayment type : Principal & Interest only
Repayment frequency : Weekly, fortnightly or monthly
Establishment fee : $0
Monthly loan fee : $0
Extra repayments : Unlimited
Interest offset : Yes
Redraw : Yes
Loan preparation fees : At cost
Increase/top up : Yes

Home loan calculators

Our handy home loan calculators can help you determine the amount you can borrow and what the monthly repayments may be.

Our awards

Our First Home Buyer Loan has achieved great success being independently recognised by finance industry experts Canstar and Mozo, for achieving great value, flexibility and innovative features.

*Special offer only available for new security. Not available for existing G&C Mutual Bank loans. Offer may be amended or withdrawn at any time.