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Live happily clever after
I have started saving for my deposit
How much have you saved?
How much do you want to spend on your home?
Enter an estimate if you're unsure
Live happily clever after
I want to save for a deposit
How much have you saved?
How much do you want to spend on your home?
Enter an estimate if you're unsure
Nice work. You have 75% of the minimum deposit (5%)
You will need to save a further
$10,000*
*You will need to budget extra for loan establishment fees, government fees and conveyancing. If your deposit is less than 20%, you may need to pay lenders mortgage insurance. The calculation is an estimate only and shouldn't be relied on. You should obtain advice before making any decisions, but let's focus on your deposit first.
You have reached 75% deposit!*
*You will need to budget extra for loan establishment fees, government fees and conveyancing. If your deposit is less than 20%, you may need to pay lenders mortgage insurance. The calculation is an estimate only and shouldn't be relied on. You should obtain advice before making any decisions, but let's focus on your deposit first.
Let us help you get there

Save smarter, not harder.

Every cent counts when you're saving for a first home and we have some smart tools, features and products to get you there sooner.

The Boost

Power-up your savings ability and effortlessly grow your deposit every time you spend.

Learn more
The Vault

Hide your Home Saver Account from sight and reduce the temptation to dip into your deposit.

Learn more
Everyday Edge Account + Home Saver Account Bundle

Especially designed to help you grow your deposit faster. Find out how you can earn bonus interest on your savings with this clever pair.

Learn more
Well done! You are well on your way to buying your first home.

You may be able to buy your first home now.

These options could help you get there.

First Home Loan Deposit Scheme (FHLDS)

Got your eye on a new home? You may be able to buy with as little as 5% deposit and avoid paying Lenders' Mortgage Insurance. Eligibility criteria applies.

Learn more
The $2,000 Great Start Promotion

If you’re not eligible for the FHLDS, our $2,000 Great Start Promotion might be right up your street. It’s a welcome contribution to your home deposit. T&Cs apply.

Learn more
Well done! You are well on your way to buying your first home.

These options could help you buy your first home now.
Basic Variable Home Loan

Designed with flexible features and competitive rates to help you own your home sooner.

Learn more
First Home Loan Deposit Scheme (FHLDS)

Got your eye on a new home? You may be able to buy with as little as 5% deposit and avoid paying Lenders' Mortgage Insurance. Eligibility criteria applies.

Learn more
The $2,000 Great Start Promotion

If you’re not eligible for the FHLDS, our $2,000 Great Start Promotion might be right up your street. It’s a welcome contribution to your home deposit. T&Cs apply.

Learn more
Well done! You are well on your way to buying your first home.

We could help you buy your first home now
Basic Variable Home Loan

All the features you need and nothing you don't. Plus, you'll love the competitive rates.

Learn more
Fixed Rate Home Loan

Lock in a low fixed rate and save. Great for balancing the budget!

Learn more
Offset Variable Home Loan

Make saving on interest easy with our 100% offset home loan.

Learn more
Live happily clever after
I want to save for a deposit
How much do you want to spend on your home?
Enter an estimate if you're unsure
Live happily clever after
I want to save for a deposit
How much do you want to spend on your home?
Enter an estimate if you're unsure
For a 5% deposit, you will need:
$25,000*
*You will need to budget extra for loan establishment fees, government fees and conveyancing. If your deposit is less than 20%, you may need to pay lenders mortgage insurance. The calculation is an estimate only and shouldn't be relied on. You should obtain advice before making any decisions, but let's focus on your deposit first.
This may seem daunting, but you've got this. Let's take the next steps.

Choose the right account for saving

Watch your deposit grow with an Everyday Edge Account and Home Saver bundle account.

Everyday Edge Account

Be rewarded with bonus interest on your Home Saver Account when you deposit $2,000 into your Everyday Edge Account and make five card transactions a month from your Everyday Edge Account.

Learn more
Home Saver Account

This account rewards you with bonus interest on your savings when you deposit $2,000 into your Everyday Edge Account and make five card transactions a month. It's a great way to get your savings working harder for you.

Learn more

More handy tools to help you save

Now that you've got your savings account sorted, these handy tools will help you stay on track and get saving fast!

The Boost

Power-up your savings ability and effortlessly grow your deposit every time you spend.

Learn more
The Vault

Hide your Home Saver Account from sight and reduce the temptation to dip into your deposit.

Learn more
Need some help or want to talk to a human?

We're on a mission to help more Australians own their own home.

Learn more about Great Southern Bank

DBM Australia Financial Awards - 2021
Award originally granted to CUA now Great Southern Bank.

Steps to saving for a home

Clever ways to save for your home deposit faster.
Everyday Edge Account + Home Saver Account

Designed to help you build up a home deposit faster. This clever pair will get you saving smarter.

Good savings habits
The Boost

Imagine buying a coffee for $4 and an extra 50c goes from your Everyday Edge Account into your Home Saver Account. That's The Boost! You'll be saving your deposit every time you spend.

The Vault

Help reduce impulse purchases by hiding your Home Saver Account in The Vault. Plus, you can still access your funds in an emergency.

A helping hand
First Home Loan Deposit Scheme (FHLDS)

Got your eye on a new home? You may be able to buy with as little as 5% deposit and avoid paying Lender's Mortgage Insurance. Click to find out if you are eligible.

Crunch the numbers

OFFERS

Own your home sooner. We can help.

First Home Loan Deposit Scheme (FHLDS)
Buy your first home with as little as 5% deposit. T&Cs apply.


Apply online and save
Enjoy a $835 saving with $0 establisment fee and $0 security admin fee#
Get in touch
We’re here to help.
Call 133 282

Mon - Fri: 8:00am - 7:00pm (AEST)
Sat: 8:00am - 4:00pm (AEST)

Find a branch
Speak to one of our friendly staff at a branch near you.
Connect online
Chat to us or browse help topics and FAQs.
Important Information

Great Southern Bank, a business name of Credit Union Australia Ltd ABN 44 087 650 959, AFSL and Australian Credit Licence 238317. Lending criteria, limits, conditions and fees apply. Applications are subject to credit approval.

This is general information and does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information, including the Terms & Conditions (T&Cs) booklet, before acting on it. The Financial Claims Scheme may apply to deposit products; refer to the T&Cs for more information.
Speak to a Home Loan Specialist
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Speak to a Home Loan Specialist
Tell us what you're looking for and we'll be in touch
I'm buying a property
I'm building or renovating
I'm refinancing
Discuss my Great Southern Bank Home Loan
None of these
What stage are you at?
I'm ready to apply for a home loan
I'm applying for pre-approval
I want to know if I qualify
I'm researching my options

Applying for pre-approval allows you to know the maximum amount you can borrow while you look for a property.

Pre-approval means that a lender has agreed to lend you an amount of money in-principle, but the loan hasn't been proceeded to full or final approval.

While pre-approval is not a fully approved loan it can help you narrow your search, negotiate, and make an offer with certainty and confidence.

How much would you like to borrow?
If you are unsure, please enter an approximate amount.
The minimum amount you can borrow is $100,000
When would you like to borrow?
If unsure, please select an approximate timeframe.
Now
Within 3 months
In 3+ months
Are you a Great Southern Bank customer?
Great Southern Bank was previously known as CUA.
Yes
No
Do you have a home loan with Great Southern Bank?
Great Southern Bank was previously known as CUA.
Yes
No
Would you like to tell us anything else?
For security, never include any bank account or card details in your enquiry. You can provide this information later if it's needed.
Next
Skip this step
Tell us a little more about your plans
I'm planning to build
I'm planning to renovate
What stage are you at?
I'm ready to refinance
I want to know if I qualify
I'm researching my options
How much is your current mortgage?
Please enter a numeric value
What are your plans?
I want to increase my existing home loan
I want to switch or restructure my existing home loan
I want to discuss my existing home loan
What would you like to discuss?
Please provide a little information so we can best answer your query.
For security, never include any bank account or card details in your enquiry. You can provide this information later if it's needed.
How would you like to connect?
Request a call back
Call us on 133 282
Chat with us online
Speak to a Home Loan Specialist
First Home Loan Deposit Scheme
New Home Guarantee
Family Home Guarantee

The Australian Government has introduced three initiatives to support eligible Australians to build or purchase a new home sooner: the First Home Loan Deposit Scheme, New Home Guarantee and the Family Home Guarantee.

Thanks [Name], we'll speak to you soon
One of our Home Loan Specialists will call you on [0413 456 789] at your preferred time.
To help you get the most out of your call, we recommend having some details ready:
  • Identification details
  • Details of your income and expenses
  • Financial details, including what you own and what you owe
In the meantime, if you have any questions, we’d be happy to help.
Call us on 133 282
Mon-Fri: 8:00am - 7:00pm (AEST)
Sat: 8:00am - 4:00pm (AEST)
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Visit your nearest Great Southern Bank branch.
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We’ll email you if we’re unable to contact you by phone
When would you prefer to be contacted?Opening hours:

Mon - Fri: 8:00am - 7:00pm (AEST)
Sat: 8:00am - 4:00pm (AEST)
Great Southern Bank collects personal information on this form for the purpose of assisting with your enquiry. If you don’t provide this information we may not be able to help you. Our Privacy Policy contains information on how we manage personal information, how you may access and seek correction of information we hold on you, how to complain if you believe we’ve breached our privacy obligations, and how we deal with complaints. We store some information in a secure environment in "the cloud" – our privacy policy sets out which countries this information may be hosted in.