First home buyer

Take the first step on your home-buying journey

Apply online
Retrieve application

Welcome to our Home Loan Concierge

A service taking the pain out of the home loan process. Here’s how it works.
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Do it your way
Get your home loan online, over the phone or face-to-face. Whatever suits you.
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Paperless process
Paperwork. Yuck. Use our step-by-step online process to apply instead.
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Get your own rate
We'll personalise an interest rate to you as soon as you finish your application.
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Ask us anything
Not a home loan expert? Don't worry - we are. Ask our Concierge today.

What do you need to think about when buying your first home?

Repayments and budgeting
Before you apply, think about how your budget could accommodate repayments. Our repayment calculator could help.
Borrowing power
Estimate how much you could borrow by entering your income and expenses into our borrowing power calculator.
Purchase costs
Our stamp duty and lenders’ mortgage insurance calculator can help you estimate these property purchase costs.
Property reports
Check sales histories, estimated values and suburb trends with our online Property Market Research tool. 

Read about up-front costs

In addition to stamp duty and a deposit, you need to start thinking about legal fees, inspection fees, mortgage registration and title transfer.

Read article

How do I get started?

There are many things to consider when buying your first home. Find out more about guarantor loans, home buyer grants and lender’s mortgage insurance.

Read article

What affects my rate?

Are you an owner-occupier or investor? Do you want a fixed or variable rate? Compare our rates to see how these things affect your home loan.

Read article

Start your application online

Learn how much you could borrow.
Receive indicative approval in under 15 minutes.
A home loan expert will call you once you have submitted your application to talk through next steps.
Get started

Our Home Loans

We offer a range of mortgages to suit your needs with competitive interest rates.

Products

Find out more about St.George Home Loan products for first-home buyers.

Compare our Home Loans

Some key features

Learn about the different features of your home loan and see how they could affect you.

Request a call back

Our Concierge will call you back at a time that suits you, Monday to Saturday

Call us on

03 8664 0250

Our Concierge is available 8am-10pm
Monday to Friday and 9am-5pm Saturday and Sunday

Face to face

Find your nearest branch or mobile lender.

Find a lender

The Detail

Credit criteria, fees and charges apply. Based on Bank of Melbourne credit criteria, residential lending is not available for Non-Australian resident borrowers.