Your First Home

We have access to a number of Low and No Deposit Home Loans from the major lenders. Many of these products are not available to the general public from branch networks. Although these lenders allow you to have little or no deposit, you will need to have some funds to cover costs. This could have come from savings, other borrowings or you may have received it as a gift from another source such as friends or parents. We can arrange for the $7,000 First Home Owner's grant to be included in your costs so it is paid to the lender at settlement. If you fall into one of the following categories, please give us a call and we should be able to help you:

No Deposit Home Loan

If the primary applicant has been in the same job for 12 months then we have a lender who requires no genuine savings at all. The rate is a little higher but this gets you into the market.

Low Deposit Home Loan

If the primary applicant has been in the same job for 6 months, and you have saved 2.5% over at least 3 - 6 months then you may well be eligible for this lender at a competitive interest rate.

No Genuine savings, but with a 10% Gift

If the primary applicant has been in relatively stable employment and can get a 10% deposit from another source such as a gift from parents or friends, we may be able to help you borrow up to $500,000 dependant on the location. We can help clients to do this by refinancing their parents home to raise the necessary 10% gift required.

No Genuine savings, but with a 5% deposit

If the primary applicant has been in relatively stable employment and can get a 5% deposit from another source such as a loan or a gift, we may be able to help you borrow up to $300,000 dependant on the location.