Home Loans

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  • Refinance
  • Build or Renovate
  • Invest in property
  • Buy my first home
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First Home Loan Deposit Scheme

Saving for your first home deposit can be a challenge. That’s why we’re proud to be an official provider of this new Australian Government initiative – helping you to purchase your first home sooner. 

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Refinance your Home Loan and save

Our online calculator is fast and easy. Find out how much you could save by switching to Snow Star Credit Union

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Home First Refinance Tool
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How Your Family Can Help

Getting a foot on the property ladder is increasingly difficult for first home buyers, and many look to help from their families to pull together a deposit sooner. There are many options available, including our innovative First Start, a Shared Equity Agreement (SEA), which allows someone to contribute money towards a home, in return for shared equity in the property.

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How to apply

Our lending specialists are here to help teachers, educators and healthcare workers, and any customers in the market to buy a new home.

We'll guide you through the buying process from application to settlement and review your unique circumstances to recommend the best loan for your needs.

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Apply online

Ready to apply or want a conditional pre-approval? It only takes 10 minutes to get started online.

Apply now
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Mobile Banker

Our Mobile Bankers can visit you at home or work. Book a time with a Mobile Banker now. 

Get in touch
Call us

Call us

Speak with a home loan specialist and apply over the phone.


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Already a customer and looking to switch your loan?

Switching lets you change the loan product or type of your existing home loan or investment loan without having to complete a new loan application. Complete a  Switch Request Form Online to speak to a lending specialist and explore your options.  

Important Information
Credit criteria applies. 
1. Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and conditions available upon request. 
2. Minimum loan amount $50,000 and only available to owner occupied loans with LVR of 80% or less. Premier Package annual fee of $390 applies.