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First Home Buyer

Download our First Home Buyers GuideMake an EnquiryBook an Appointment

Get a head start with your first home loan1

  • No establishment fee (save $600)
  • Choose any eligible loan product including a fixed or variable Introductory Home Loan, a Dream Value variable rate loan or a fixed loan for 1 to 3 or 5 years#
  • Credit card approved with a $2,000 limit and reduced interest rate for life of the loan**
  • Assistance with the First Home Owner Grant forms
  • Save on transaction fees on your everyday account for the life of your loan 1

  First Home Buyer Loan Product Features:
First Home Buyer
Interest Rates
Interest ChargesCalculated daily, charged monthly
Transaction Fees - Life of LoanNo2
Establishment fee$0 
Suitable for First Home Buyers, Home Owners InvestorsFirst Home Buyer Only
Additional repayments acceptedYes 3
Loan TypeFirst Home Buyer Package
Repayment frequencyFlexible Weekly, Fortnightly, Monthly
Loan repayment insuranceYes 
Free Redraw FacilityYes Min. $500
Minimum loan amount$20,000 
Maximum term (years)30 
Smart Offset Account AvailableOnly on variable portion of loan4
Split Loan Rate Options ( Fixed Variable)Yes


  Additional Product Information:



Important Information:

#Fixed rates available for 1,2,3 or 5 years then reverts to standard variable rate.

*Lenders Mortgage Insurance approval required for borrowings over 80%

**Home Loan Rewards Classic Credit Card discounted rate applies for the life of the Home Loan

1 Eligibility and credit criteria applies. Terms and conditions available on application. For personal Memberships only. For owner-occupied residentially secured, first home borrowers only. The home loan account must not be in arrears or in default of the terms and conditions of the loan.

2 Home Loan Rewards applies only to access methods listed in the ‘Rebated Transactions & Services’ section of the PFS Fees & Charges and Member Loyalty Program as amended from time to time. All other fees and charges are not rebated and will be payable by the Member

3 Make extra repayments totaling up to $10,000 over 12 months (as 2 x $5,000 lump sums) during any fixed rate period

4 Eligible variable and fixed rate Home Loans only. Northern Inland reserves the right to withdraw, extend or vary this offer.