Your first home. A clearer starting point.
Explore your deposit, buying costs and repayments. Then work through the lender process with a plan.
Explore the steps when you need them. Start with your position, then work towards a purchase and settlement.
Understand your borrowing capacity, deposit requirements, and what you can realistically afford.
Build your deposit and factor in stamp duty, legal fees, and a buffer for the unexpected.
Compare fixed vs variable rates, offset accounts, and features that fit your lifestyle.
Secure conditional approval before you start searching so you can move fast when you find the one.
Search with confidence, attend inspections, and make offers backed by your pre-approval.
Once your offer is accepted, complete the valuation, sign the documents, and lock it in.
Settlement day arrives, you collect your keys, and you're officially a homeowner.
Explore the grants and schemes section and your first home readiness checklist.
Explore borrowing, repayments, buying costs, deposit savings and extra repayments. Keep an indicative scenario, change the inputs and compare the results.
Open the first home calculators
Discuss your first home plans or explore home and investment loans.
Southern Highlands home and investment loans
Phone: 1300 876 410 | Email: loansupport@pendiumfinance.com.au
Perth: 204/96 Mill Point Road, South Perth WA 6151
Sydney: Bay 5 North, Locomotive Street, Eveleigh NSW 2015
Pendium Finance Pty Ltd (ACN 662 388 838) — Credit Representative 543457, authorised under LMG Broker Services Pty Ltd (Australian Credit Licence 517192).