For many Australians, owning a home isn’t just about money; it’s about creating stability, security, and a place that truly feels like your own.
Renting can offer flexibility and freedom, especially if you’re not ready to settle down or want to explore different lifestyles. But for those seeking a stronger sense of certainty or control, home ownership can bring benefits that renting may not provide.
Owning could be the right step if:
- You’re ready to settle in one place for the next 5–7 years
- You want consistent repayments rather than changes at each lease renewal
- You’d like to build equity over time through regular mortgage repayments
- You want the freedom to personalise and improve your space
- You’re in a position to access government support such as the First Home Guarantee or Shared Equity programs
These factors can make ownership a meaningful long-term choice, one that’s as much about lifestyle and confidence as it is about finance.
Making the move from renting to owning can feel like a big financial and emotional commitment. To help make that step easier, Summerland offers a range of tools and support designed specifically for first home buyers.
Our first home buyer options include:
- An exclusive first home buyer interest rate, helping new buyers start strong with a competitive, fair rate
- Secure Start, our unique program designed to ease the pressure in your first year of home ownership by reducing your repayments when it matters most
- A limited-time cashback offer*, which can help cover some of the upfront costs that come with buying your first home (terms and conditions apply)
Your cashback could assist with moving expenses, legal or registration costs, or even easing your first few loan repayments. Together, these options are designed to help make the transition to home ownership a little smoother.
With housing shortages and rising demand, property markets across Australia remain competitive. Government incentives continue to support first-home buyers, but higher interest rates and living costs mean finding a lender that keeps things simple, transparent, and fair is more important than ever.
That’s where our no-fuss approach makes the difference.
Buying your first home shouldn’t feel complicated. Our Basic Home Loan is designed with low ongoing costs, competitive rates, and a straightforward application process. We focus on responsible, easy-to-understand lending, so you can spend less time worrying about paperwork and more time planning your future.
Owning a home can bring a sense of progress, stability, and belonging, but the right time to buy is unique for everyone. If you’re thinking about taking that step, our local lending team is here to help you explore your options with confidence.
The information in this article is general in nature and does not take into account your personal objectives, financial situation or needs. Please consider whether the product is appropriate for you and read the Schedule of Fees and Charges and Terms & Conditions before applying. Target market determination is available upon request.
