Guides & calculators

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Our tips, guides and calculators can help you work out how to manage your home loan, pay your home loan off more quickly or get you into your next home. This is helping you on your home loan journey.

Co-own, a different way to own

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Handy house-buying terms

  1. 1

    Loan-to-value ratio (LVR)

    LVR looks at the amount you'd like to borrow as a percentage of the property’s market value.

    There have been changes to the Reserve Bank LVR restrictions. Find out what these LVR changes might mean for you.

  2. 2


    Take away the amount still owing on your home loan and any other debts you may have secured against it from the property’s current market value. This is your equity.

    When you buy your first home, to begin with, your equity will likely be your deposit.

  3. 3


    When you apply for a home loan, you’ll generally need a deposit of 20% of the value of the property you want to buy. This will go towards your home loan and can also be used to pay a sales deposit on the property you want to buy.

Start your home buying journey

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How to apply

Have a look at how the home loan application process will go and what you'll need before you apply.

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