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Getting started on your NRMA Home Loan

Get ready

Gather all your required information together, including your ID, and documents for proof of income and expenses.

Your eligibility

Ensure you meet the eligibility criteria:

  • The property must be located in a capital city or regional area
  • You must be an Australian citizen or permanent resident
  • You must have at least a 10% deposit, and be able to cover stamp duty and all other government charges
  • The application can be just for you or include a second applicant
  • You must be able to provide a form of ID for yourself (and the second applicant if applicable)
  • The security must be an established home (not land, or off the plan).

A credit check will be run

Once you've filled in your details, a credit check will be run with Equifax. In most cases, you'll have your answer immediately. You can find out more in our Credit Guide.

Start the application

Things you should know

Bendigo and Adelaide Bank Limited (ABN 11 068 049 178, AFSL and Australian Credit Licence 237879) (“Bendigo Bank”) is the credit provider. Credit services are provided by Tiimely Pty Ltd (ABN 41 605 696 544 and Australian Credit Licence 496431) (“Tiimely”). Insurance Australia Limited trading as NRMA Insurance (ABN 11 000 016 722) (“IAL”) is a member of AFCA and does not hold an Australian Credit Licence. IAL may receive a commission from Bendigo and pay a commission to Tiimely if your loan application is approved.

NRMA Home Loans is brought to you by Insurance Australia Limited ABN 11 000 016 722, trading as NRMA Insurance, which is a separate and independent company from National Roads and Motorists' Association Limited ABN 77 000 010 506, trading as NRMA. NRMA provides Membership, the “My NRMA” app and other services.