Home Build Access (HBA) Low Deposit

CEOH (NT ONLY) lends 17.5% of the purchase price on new home or construction of home.

Home loansBank updated 19 May 2026

At a glance

Variable (owner occ. P&I): 8.76% · 8.82% comparison
Max LVR: 17.5%
Features: extra repayments

§ 01 — Rates · 1

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Variable	Owner occupied · P&I	—	≤17.5% LVR	8.76%	8.82%	Standard Variable Rate

§ 03 — Features

Extra repayments

· Ability to pay the loan over 30 years for Chief Executive Officer (Housing) loans
· Introduced 1 January 2013. Limited eligibility criteria apply, no income or home ownership requirements. CEOH lends 17.50% of purchase price on new home or construction of home. Max. purchase price:…
· Flexible repayment frequency - pay weekly, fortnightly or monthly.

§ 04 — Eligibility & limits

· Minimum age 18
· Residency: Permanent residents of Australia who reside in Australia at the time of membership application are eligible for membership, regardless of citizenship status.
· Available to individuals
· Amount — to $96,250
· Terms, conditions, fees, charges and lending criteria apply and are available on application

§ 05 — Compare

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§ 06 — Run the numbers

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Published by People First and Heritage Bank under the Consumer Data Right, last changed by them on 19 May 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.