Loan calculator

Loan calculator

Find out how much you can borrow

Government Support to First Home Buyers

Find out more here or call today. Your Start Point consultant will be able to guide you through making the most of these programs.

State and Federal Governments in Australia offer a range of support programs for first home buyers. These include:

  • South Australian First Home Owners Grant
  • South Australian Stamp Duty concessions
  • The Federal First Home Loan Deposit Scheme
  • The Federal First Home Super Saver Scheme

Understanding Loans

The home loan market has changed over the last few years. So, it’s important to talk to professionals who can guide you through the loan options available to you. We will give you straight-talking home loan help to guide you through what can sometimes be a confusing and complex process, ensuring it is as easy as possible.

Things that you may need to consider in relation to a home loan.

  • Available government grants
  • Deposit amount required
  • LVR’s – Loan to Value Ratios
  • Interest rates
  • Repayment rates
  • Lenders’ Mortgage Insurance (LMI)
  • Stamp duty concessions
  • Personal lending capacity

As values and percentages change for each of these variables, the loan packages that may be available also change. Choosing the right home loan can be a confusing process, which is why everyone needs guidance through the options, and what each one means for you.

Start Up Costs

To fully understand what this could all mean for you, your Start Point consultant will guide you through the process and take care of all that tricky paperwork.

A home loan will also come with a number of costs. These include:

Deposit amount required

Deposit amount required can depend on where you buy, what sort of loan you’re getting, and if you’re buying an established home or building your own.


One of the biggest charges most lenders apply to a low deposit home loan is something called Lenders’ Mortgage Insurance (LMI). It’s an insurance that you pay to protect your lender in case you can’t make your repayments and default on your loan, which can be a big cost.


Building (home) insurance provides cover if your house is damaged. When you take out a home loan, you must have building insurance on the home you buy.

Fees and charges

Loans come with fees, which can be confusing. These might include Upfront Establishment fees, Valuation Fees, Progress Inspection Fees, Loan Provision Charges, Split Loan Establishment Fee, Loan Variation Fee, Settlement Fee, Disbursement Administration Fee and more.

Conveyancer Costs

Conveyancers are experts who help with the purchase and transfer of ownership of a property. You will need them to assist with the legal aspects of buying a home. Their fees vary according to the services they provide and how complex the sale is.

What can I do next?

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