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Property Share

Property Share allows you to split the cost of buying a home with family and friends, while retaining individual control of your finances.

  • Pool your money with friends or family to buy your first home, or enter the market as a property investor
  • You can borrow more funds that you would otherwise be able to afford on your own
  • Buy the property you want, rather than settling for a cheaper option
  • Split the costs of your home any way you like and let each borrower decide how they want to manage their loan repayments
  • Each borrower can access a range of features including redraw facilities, mortgage offset accounts and lines of credit.

You can use Property Share on most home loans and the features and rates of that home loan will apply accordingly.

  • Each borrower must be an owner of the property (no third-party guarantors) and show they can repay their portion of the home loan (prove servicing of the loan)
  • You’ll need to guarantee each others’ loans as security support
  • You must seek legal advice and all sign a Property Share Authority Declaration form before entering into a Property Share Agreement.

For more details about Property Share, make an appointment with a lending specialist online, call us on 13 2224 or visit your closest branch.

Property Share Fact Sheet (PDF)

We can tailor a home loan that's right for you, and provide the tools and insights to meet your needs.

Borrowing options

A family member can help you secure a home loan by mortgaging their own property as additional security.

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Similar to Lenders’ Mortgage Insurance, this additional cost is added to your loan, so you don’t have to come up with these funds upfront.

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Lenders’ Mortgage Insurance allows you to purchase a property with a smaller deposit, so you can own your home sooner.

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With our Wealth Package, you’ll enjoy special discounts on selected loans and credit cards.

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Get the finance you need to buy a new property before you’ve settled on the sale of your existing one.

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Important information

Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the Loan Offer. Other fees and charges are payable.