Buying your first home
There's lots involved in buying your first home. Our First Home Buyer Hub gives you access to the right tools and support to help you start your first home buying journey.
Learn more
20/01/2020: Heritage Online, mobile and phone banking will be unavailable, and some payments may be delayed, between Tuesday 21 January from 10:30pm until 2:30am Wednesday 22 January, due to scheduled maintenance. Online applications will also be unavailable during this time. Our Contact Centre will remain available 24/7.
Selling property? Two easy traps to keep clear of
If you are serious about selling your home here's two key areas you need to research, understand and act on to ensure your home becomes somebody else’s home as soon as possible.
Every seller wants to get the best price possible for their property. If you are serious about selling your home and generating buyer interest there are two key areas you need to research, understand and act on to ensure your home becomes somebody else’s home as soon as possible.
1. Pricing the property too high to begin with
Many sellers start with the wrong listing price. Do your research from the outset and take advice from an agent you trust. The biggest problem with overpricing a property is that you will eventually have to drop the price. To buyers, this can look like desperation and may slow down the selling process while people wait for the price to drop further.
2. Falling into the “cheap” agent trap
It’s important to consider the quality of your agent, as well as the cost. Cheap agents could cost you more in the long run. Look at agent contracts and understand what you are getting for your money – advertising costs, contract length, and commission to be paid on sale are all areas you need to understand and be happy with before signing up.
Every situation is different so it’s important you research and take advice from people who knows the particular market you are in.
Looking for a new home? Our home lending specialist are ready and waiting to help you buy your next property. Drop into your nearest branch or phone 13 14 22 to get moving on your next home loan.
Share this
How much money can I borrow?
How much money you can borrow will depend on a number of things. Here's four to consider.
Learn more
What is a construction loan?
If you’re building a house rather than purchasing an established property, you’ll want to investigate construction loans.
Learn more
What is a cooling-off period?
A standard contract for buying a home in Queensland comes with a five day cooling-off period. Here's what it means.
Learn more
What is an offset account?
Front and centre of saving both money and years off your home loan is having an offset account.
Learn more
How to help parents downsize
Helping a parent to downsize from the family home is an emotion-charged experience. Psychologist Ellen Jackson shares four tips to help make the process easier.
Learn more
What to look out for at an open house from a tradie
Guest blogger and Plumber, Bec Senyard shares her top 9 things to look at when inspecting an open house.
Learn more
Breaking down banking jargon
Here's a list of the most common banking jargon terms people don't understand and explained them in plain English.
Learn more
How to Use the First Home Super Saver Scheme
The First Home Super Saver scheme allows you to save money for your first home inside your superannuation fund.
Learn more
Renting vs. buying property
Deciding whether to buy property, and give up the rental game is a big decision. Here are some pros and cons of each.
Learn more
What is LVR?
Learn more about Loan to Value Ratio (LVR), how it’s calculated and what effect it can have on your mortgage.
Learn more
Costs associated with buying a property
Here's 8 costs to consider when purchasing a property.
Learn more
What to expect at a house auction
Going to a house auction can be intimidating. Here's an outline of what will happen on the day.
Learn more
The First Home Owners Grant
Find out if you qualify for help to purchase your first home with a First Home Owner Grant.
Learn more
The home loan application process
Here's a list of steps to help you understand the process a home loan application goes through.
Learn more
4 things you need to buy a house
Ready to buy your first home? That's super exciting...and a little daunting. Here's four things you'll need before you can get your hands on the keys to your own place.
Learn more
Moving in with a partner: discussing money
Discussing money is an important step when planning to move in with a partner. Here's a list of things to discuss.
Learn more
The banking jargon you need to know
From direct debits to lenders mortgage insurance and offset accounts, there’s lots of jargon you’ll come across when reviewing your banking or looking for a home loan.
Learn more
Buying property at auction in Queensland
Buying property at auction in Queensland differs from other states. Find out what you should consider doing before attending an auction in Queensland.
Are you ready to buy a house?
Got all your ducks in a row? This handy infographic takes you through four things you'll have if you are ready to buy a house.
Learn more
6 things every first home buyer needs to do
Buying your first home is a huge undertaking. Here's 6 things every first home buyer should do.
Learn more
Buying your first house as a young person
Buying a house as a young person often means buying your first home and with that comes lots of things you’ll need to consider.
Learn more
3 must do steps to prepare for buying a house
Doing research and preparing to shop around is an important part of securing a dream home. Here's three must-do steps to help prepare yourself.
Learn more
Change of address checklist
Moving house? Here's a printable checklist of places you might need to consider changing your address with.
Learn more
3 stylist tips to maximise the sale price of your home
The more you can do to help your house look its best the more chance you will have of securing the price you want. Here's 3 things stylists recommend to help maximise the sale price of your property.
Learn more
How Much Does It Cost To Build A House?
Building a house can be an expensive and daunting task. Don’t get caught short.
Learn more
Upgrading Your Home: Moving vs Renovating
Learn moreBidding Strategies to help you win at auction time
Attending an auction can be scary, but with these strategies you’ll be itching to stand front and centre.
Learn more
The Sunset Clause in QLD: What You Need to Know
If you’re thinking about buying off the plan, be sure to look out for any sunset clauses in the contract. But what is a sunset clause and how could it impact on your purchase?
Learn more
Selling property? Preparation is key
Every seller wants to get the best price possible for their property. If you are serious about selling your home and generating buyer interest there are two key areas you need to look at.
Learn more
What to do in the final 10 minutes before your open house
You've spent weeks, maybe even months, preparing for your house to be on the market - you've touched up paint, improved lawns and spent hours removing scuff marks. Here's what to do in the final 10 minutes before your house is open to the public.
Learn more
Selling property? Two easy traps to keep clear of
If you are serious about selling your home here's two key areas you need to research, understand and act on to ensure your home becomes somebody else’s home as soon as possible.
Learn more
Buying property with friends: How do you save the relationship
Pooling your dollars with parents. siblings or friends to get a foothold in the housing market can allow you to split purchase costs and spread the repayment load. Guest writer, Ellen Jackson from Potential Psychology takes us through her top tips to reap the upside of property co-ownership without ruining the relationship.
Learn more
Building equity in your property
Having equity in your home means the difference between the value of your property and how much you owe on it. Check out the ways you could build equity in your property and how you might consider using your equity.
Learn more
3 ways to add value to your home before selling
There are many quick and easy ways to add value to your home – from giving your digs a lick of paint to replacing tired tap ware. Here's 3 ways to consider adding value to your home.
Learn more
Home buyer brain storm
Use our printable home buyer brainstorm sheet to help get your thoughts onto paper.
Learn more
Buying property off the plan
A boom in approved units, townhouses and apartments across the country could be seen as a good thing for Aussie home buyers, who may benefit from increased affordability and the option to purchase off the plan.
Learn more
How to negotiate like a pro
So, you’ve found a property you love and want to make an offer. Here's four inside tips on how to negotiate like a pro.
Learn more
Housing clichés which ring true
Some clichés are worth taking seriously when choosing a suburb and selecting a home.
Learn more