Apply for a home loan

You can have a max of 2 applicants. To be eligible, each applicant needs to:

• be 18 years old or over
• be an Australian or New Zealand citizen, or a permanent resident of Australia
• live in Australia
• be employed on a permanent, casual or contract basis (we don’t lend to self-employed individuals)
• have a good credit rating (don’t worry, we’ll run the report for you)
• be listed on the property title
• be applying either individually, or jointly with their spouse or de facto partner that they currently live with or intend to live with after settlement in the same household (You won’t be able to apply with a sibling or parent).

Before you get started, please make sure:

• there are no outstanding payments on the loan being refinanced
• your home loan application is only for one property
• you're not applying for an owner occupied interest only (IO) loan, as these are only available through our lending specialists
• you have a deposit or equity that is at least 20% of your loan amount, or 15% for owner occupied principal & interest (P&I) loans
• the property is liveable, meaning it's fully constructed, connected to power and water, and used for residential purposes (we don't lend for vacant land).