Before you apply

Interested in a home loan? There are some minimum requirements and guidelines to consider before beginning an application for a loan. Learn more.

Your basic requirements

You are over 18 years of age
You don't already own a home or land
You're looking for a home to live in - not to rent out
You are an Australian citizen or permanent resident
You live in Western Australia and want to buy or build a home here

Applying on your own or with a partner

Me

You will be fully responsible for your loan.
Consider the size and type of the home you want. What about apartment living, or a unit?
Think about what you need and what you can comfortably afford.
This can be your starter home - doesn't need to be your forever home.
If you have a partner who you live with, you'll need to apply as a couple so that we cover your expenses as a couple, making sure your loan is affordable.

Two of us

If you both have an income, you may be able to increase your borrowing power.
If you want to buy a home together, remember the seriousness of this commitment. You will each be separately and jointly responsible for the loan. It's a big step in a relationship!
You will need to be very open about your debts and spending. Might need a few honest conversations.

What is affordable for your family

If you have a family you'll already know that children increase your household spending! We want to make sure your home loan is affordable and manageable for you.

We use a basic household expense calculation based on the number of dependant children you have.
Think carefully about any additional expenses you have for your family, including medical or school expenses. We'll need to know about those too.
We'll also need to know about any children under the age of 18 who may not live with you.