First home buyers

We can help you step into your first home with support from the very beginning. Our lending specialists can guide you each step of the way with our flexible options to suit your needs and information to help you make the right decisions.
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How much could I borrow?

Discover the possibilities with our mortgage calculator. Find out how much you could borrow based on your current lifestyle.

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Preparing to buy

You’ve decided to buy your very first home! Get started and prepare yourself with information on saving a deposit, budgeting and some of the key things you need to consider earlier on.

Ready to buy

You are now well and truly in ‘buying’ mode as you zero down on the property that suits your budget. Look at the property closely and make sure it meets your requirements.

Buying your property

The days of open homes and inspections and hunting through real estate listings could finally be over!  You have chosen the property you want and the only thing standing between you and your home is the actual.

Exclusive interest rate discounts for first home buyers

The choice of a fixed and variable home loan options provides you with the choice of certainty and flexibility depending on your needs.

First home buyers will also pay no establishment fee and no monthly account fee.

 

For owner occupiers For investment property

Home saver calculator

See how long it might take you to save for a deposit.

Free property reports

Get estimated property values in your suburb of choice.

Other calculators

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Things you should know

First home buyer's guide (PDF 1MB)

 

  1. 6 month Home Loan Approval in Principle
    A Home Loan Approval in Principle tells you the amount Westpac could lend you based on your current financial situation. This helps set your home buying budget, which means you can house hunt with confidence. It’s important to know this is only the first stage of the home loan approval process and it’s not yet an agreement to give you a home loan. The next stage of the home loan approval process happens once you find the property you want to buy. At this stage we do an assessment based on your property of choice and your current financial situation. 

    A Home Loan Approval in Principle Certificate is valid for 6 months. If you don’t find a property after 3 months you will need to contact us to confirm your financial situation hasn’t changed, for the certificate to remain valid. 
     
  2. RP Data Property Report 
    While the RP Data property reports are offered to Westpac customers with the permission of RP Data Pty Ltd ABN 67 087 759 171, Westpac accepts no responsibility for their accuracy or completeness. We recommend you seek independent advice before making a decision based on this information.