Get into your own home, sooner

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Get started on your home ownership journey today.

Build your first home

from $3,000*

Instead of buying a block of land and then finding a builder to build your home, a house and land package bundles it all together. This means you can choose one of many standard or customised home designs at the same time you purchase the land.

*Based on a total House and Land Package up to $320,000 (land cost of $130,000, build cost of $190,000) from a participating builder (includes $10,000 builder contribution). Also assumes customer is eligible for the First Home Owner Grant and HomeStart's Graduate Loan. Terms, conditions, and eligibility criteria, fees and charges apply.

"Very helpful, easy process to get a loan - especially for a first home buyer! Also loved the low deposit amount needed as definitely helped me after living overseas for a year."

- 25 years old, Male, Munno Para West.
"HomeStart service and communication are great also the range of loans available helps people get a loan where they might not be eligible with other lenders. If it wasn't for HomeStart I wouldn't be building my first home."

- 39 years old, Male, Salisbury North.
"The service we had from HomeStart was excellent. Everything was explained in great detail, and all questions were answered in a timely manner. I would recommend HomeStart to anyone."

- 32 years old, Male, Bridgewater
"I'm 22 with an apartment. I couldn't have done it without Homestart."

- 22 years old, Female, Bowden
"HomeStart have made it easy for my fiancé and I to build our very own, first home! I work in Administration and my fiancé is an apprentice mechanic, and we couldn't believe that HomeStart were able to give us the chance to build and own our own home at the ages on 21 and 22."

- 21 years old, Female, Aberfoyle Park

House and Land Packages can be a good way to reduce upfront costs because:

You only pay stamp duty on the land value and not the house.
HomeStart can lend up to 97% of the value of the house and land package to those who are eligible.
First house buyers could also be eligible for a $15,000 First Home Owner Grant to put towards your deposit, fees and charges.
HomeStart doesn't charge a Lender's Mortgage Insurance (LMI) and our Loan Provision Charge (LPC) is significally less than LMI for most borrowers.
Pay no loan repayments for 9 months or until your home is built, whichever comes first.
Our participating builders will commit to a fixed price and construction period.
Less progress draws.
Deferred land settlement.