Buying your first home

Buying your first home is exciting and one of the biggest financial decisions you’ll ever make. At Heritage, we're passionate about helping people through the journey of purchasing their first home. We understand there’s lots of areas you may need help with to ensure you get the loan and home that are right for you.

To ensure the road to buying your first home is a happy and confident one, it really does pay to make sure you have the financial side of things squared away. This means not just a fantastic home loan rate, but also advice from people who are passionate about helping you through this journey.

Click here to find out the top 4 things you’ll need before buying your first home. And don’t forget to look into your eligibility for the Government's First Home Owner Grant which has recently increased in Queensland. If you are eligible, this grant, plus a great home loan from Heritage, might help you get into your new home sooner.

If you're struggling to save your home deposit, think about asking your family for help. Heritage has recently introduced a Family Guarantee Loan which can help you buy your first home sooner. Plus, the Heritage Family Guarantee loan allows eligible first home buyers to access up to an additional $50,000 cash out for home improvements. So you can renovate your first home and turn it into your dream home. Click here to learn more about how a family guarantee works and whether you are eligible.

How much can I borrow?

Calculate your borrowing power! Simply enter your income, expense and loan details.

How much will my repayments be?

Our home loan repayments calculator helps you estimate the true cost of your mortgage, including stamp duty, rates, insurance, maintenance and more!

Next steps

Explore our loans with our handy reference table which shows the benefits and features of each home loan. Or simply click Apply now to get started.

These popular loans might suit you

Discount Variable from

3.79 %pa
3.84 %pa

Our cheapest, simplest variable rate loan, is still packed with features.

Find out more

Offset Accounts

Pay off your home sooner and save money at the same time.

Find out more

Get our FREE eBook

For more information about buying your first home download our FREE Little eBook for First Home Buyers now. You’ll find lots of great information, including how to find the right loan for you, what you will need to qualify for a loan, next steps to take if you are ready to buy your first home and lots of other tips and tricks you’ll find useful to have on hand.

Package your home loan and save, with the Home Advantage Package

Find out more

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest rates are on a per annum basis. Rates and discounts are correct as stated and subject to change without notice. Discounts shown are for new loans and do not apply to switches or internal refinances. Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package.

This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.