If you have decided to stop renting and move into your own home, firstly congratulations on making this big decision! Whether you're building a new home or purchasing an established one, obtaining your first home is a major milestone and it always helps to have a helping hand to guide you through the process.

We suggest that you speak to us as soon as you start looking for your new home so you know exactly how much you can afford. It will give you greater confidence in placing an offer on a home or deposit on a block of land, and may give you more negotiating power when finalising a purchase price. Also have a look at our 'Your Home, Your Mortgage' brochure for some useful information about purchasing a home.

Saving for a deposit can often be difficult. That’s why we have home loan options where savings may not be required. You may even be able to use your First Home Owner’s Grant towards your deposit and we can help you apply for your grant too.

An additional benefit of obtaining a Bluebay Home Loan is that you may qualify for a Bluebay Visa Card, which has an ongoing low variable interest rate in line with home loan rates. This will allow you to transfer your existing credit card debt onto our Visa Card which may have a much lower interest rate than what you are currently paying, potentially saving you money on the interest you pay.

Contact us today on 1300BLUBAY (1300 258 229) to discuss your options.