Buying my first home

Here we take you through the ins and outs of finding and buying your first home, and choosing the right loan type.

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How much do I need upfront?

We’ll show you what upfront costs you can expect to have to cover when you’re buying a property, and give you some options for getting your deposit together.

Know your budget

You need to know how much you can afford to spend and repay. Our calculators will help you work it out.

Benefits for first home buyers

As a first home buyer you may be eligible for the First Home Owners Grant. And we can offer you other savings.

Look for a property

We’ll give you some suggestions on the research you should do before you buy, and explain the difference between an Auction and a Sale.

Choosing the right loan

Do you want to pay off your loan as fast as possible, have the certainty of fixed rates, or have maximum flexibility? We’ll show you which loans and features to consider.

Buy your property

Let's go through the steps involved after you've found a property and how you progress the application process.

Protecting your home loan is important

Here are some options for protecting your biggest asset and your ability to meet the repayments.

Things you should know
  • The information contained within this page is general in nature. It serves as a guide only and does not take into account your personal financial needs. Before you act on this information you should seek independent legal and financial advice. Westpac does not warrant the accuracy or appropriateness of this information.
  • 1.The calculations we give you are a general guide only and are based on current interest rates which are subject to change. The formula used in these calculators may change. Before relying on the calculation you should seek independent advice. Calculations do not take into account fees and charges.