Buying your first home? Start by looking here.

Getting a foot in the home ownership door.

Buying your first home; it's one of the most exciting times of your life. But there is so much to consider: What sort of loan is best for you? What can you afford? What about additional costs? How does the process work?

To ensure the occasion doesn't become a stressful one, use this section of the website for helpful information, tips and tools. Navigating the market is always easier with a little guidance.

Home Loan options to consider.

We know saving for a deposit is often the biggest hurdle to buying your first home. Now you don't have to wait.

You can take advantage of our $0 deposit option on a wide range of home loans, from variable rate, fixed rate or even our 3 year introductory rate home loan.

Our $0 deposit option can help you get into your home sooner, and start to enjoy the benefits of owning your own home.

Property Share - split the cost of a home with friends or family.

If you can't afford to go it alone, Property Share is a fresh approach to entering the property market. It lets you co-own a home or property with friends and family, while retaining individual control of your finances. Property Share can be split any way you choose and each borrower decides how they want to manage their loan repayments, redraws^^ and off-set accounts or lines of credit.

Family Support - buy your first home sooner with the help of your family

Family Support offers a range of financing options that can help you buy and/or repay your home sooner with the help of your family. Both you and your family can help secure and/or fund the loan together.

Your family can assist you with your home purchase by being a guarantor providing security and/or servicing support.

Family members may also choose to apply for a loan in their own name(s), and provide the loan proceeds to the borrower(s) for their property purchase.

Once your loan has been approved, you can obtain a Family Support Kit free of charge. It contains copies of Draft Forms of Agreement that can help you and your family members formalise an agreement about how you will repay them.

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Things you need to know.
$0 deposit option on any Home Loan is only available where all borrowers are eligible for the First Home Owners Grant Scheme.

Property Share
^^ Redraw not available on Interest Only and Fixed Rate Loans. Conditions apply.

You must obtain independent legal advice before taking a Property Share home loan option. A maximum of two loan facilities per security is allowed where each loan facility may have multiple borrowers. Each loan facility is secured against the same property and borrowers must guarantee each others' loans.

Whilst the loan is marketed as Property Share, the Bank's offer documents will show the name of the specific loan type selected. The Property Share facility is based on our existing loans as described in our offer documents.

Family Support
Whilst the loan is marketed as Family Support, the Bank's offer documents will show the name of the specific loan type selected. The Family Support facility is based on our existing loans as described in our offer documents.

The Draft Forms of Agreement are intended to assist your legal advisers in drafting a document to suit your individual needs. Commonwealth Bank of Australia (the Bank) does not offer legal advice and this document is not intended to be completed without the intervention of a legal practitioner. There are matters in the document which may be complex and/or which may not suit your individual circumstances. You should obtain the advice of a solicitor or other legal practitioner to assist you in preparing any documentation to govern your relationship with the other parties to the proposed agreement. The Bank does not require you to enter into an agreement with any other party and the form of any such agreement is entirely a matter for yourself and the other party.

Any proposed transaction can have unintended or unexpected financial and taxation consequences. Those consequences will vary from party to party according to their individual circumstances. Gifts may affect present or future entitlements to social security benefits in some circumstances. Undertakings to make payments or repay loans may not always be honoured or may be difficult to enforce. Regular payments may be liable to income tax and capital gains tax in some cases may be payable on disposal of assets (including releasing contractual obligations). Such payments may also be non-deductible to the payer even though they are assessable to the recipient. The Bank strongly recommends that you seek appropriate independent financial and taxation advice specific to your individual needs before entering into any transaction.

Applications for finance are subject to the Bank's normal credit approval. Full terms and conditions will be included in the Bank's loan offer. Other fees and charges may be payable. Commonwealth Bank of Australia ABN 48 123 123 124.