Most people start here
Choose where to start.
Start with the situation closest to your next decision. You do not need to know the exact loan yet. Most people begin with budget, deposit, buying costs or pre-approval.
First home buyers
New to the process? Start with deposit, borrowing power, grants, buying costs and what to prepare.
Start first home path
Buying your next home
Moving, upgrading or downsizing? Plan your budget, sale timing, loan options and settlement steps.
Explore next home options
Pre-approval
Getting ready to inspect or make offers? Learn what lenders check and what to prepare first.
Prepare for pre-approvalBuying path overviewUse the full buying sequence when you want budget, deposit, costs, documents and offer readiness in one place.Open the buying overviewLow deposit / LMIOptions when your deposit is under 20%, and how lenders mortgage insurance may affect the loan.Check low-deposit and LMI questionsInvestment propertyWhat to consider when financing an investment purchase, including deposit, rental income and loan structure.Map investment lending questionsSelf-employedHow lenders may assess self-employed income and what documents can help.Prepare self-employed documentsCompare loan structuresUnderstand fixed, variable, offset, redraw, principal and interest, and interest-only options.Compare structure trade-offsDeposit and buying costsWork out the cash you may need for deposit, stamp duty, LMI, legal fees and settlement costs.Plan cash to completeDocuments and lender checksSee the common documents lenders may ask for before assessing a home loan.Open the document checklist
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