Start Small, Buy Smart

Low-Deposit Pathway

You don’t need a huge deposit to own a home. Learn how 5% deposit loans, government support, and smart planning can help you buy sooner.

You don’t need a huge deposit to own a home. Learn how 5% deposit loans, government support, and smart planning can help you buy sooner.

Buy Sooner, Even with a Smaller Deposit

You don’t need a mountain of savings to buy your first home - just the right plan.
The Low‑Deposit Pathway helps you purchase with as little as 5% deposit, making home ownership possible sooner than you thought.

Why This Pathway Matters

Many first‑home buyers believe they have to wait until they’ve saved a full 20% deposit.
But with lender innovations and government initiatives now available across Australia, that’s no longer the only way in.

We help you tap into low‑deposit loan options designed for genuine first‑time buyers - without taking on unnecessary risk.

How It Works

Here’s what the Low‑Deposit Pathway looks like in action:

  1. Understand Your Savings Position
    We assess your current savings, income, and borrowing power to see what’s achievable right now.

  2. Explore Lender Options
    We compare lenders that accept 5–10% deposits and identify which terms best support your goals.

  3. Review LMI or Scheme Alternatives
    Lenders Mortgage Insurance (LMI) can apply to smaller deposits, but we’ll help you explore ways to reduce or avoid it - such as through the First Home Guarantee.

  4. Create a Safe Strategy
    You’ll get a tailored plan showing how buying now compares to waiting - so you can make a confident, informed choice.

Real Results, Real People

Many of our clients start right where you are - thinking, “I probably need to save for years.”
Once they see the numbers clearly, they realise that waiting could actually cost more in rising rent and property prices.

By combining smart lending options with practical savings steps, our clients have turned small deposits into real keys.

Who It’s For

This pathway is ideal if you:

  • Have less than 20% saved for a deposit

  • Have stable income, but worry it’s "not enough"

  • Want to get off the rental roundabout and into your own home sooner

What You’ll Gain

  • A clear understanding of how small deposits really work

  • Access to lenders and schemes that specialise in first‑home buyers

  • Step‑by‑step support from application to settlement

  • Confidence that you’re reaching for home ownership safely and strategically

Let’s Find Out What’s Possible

You might be closer than you think.
Book a quick chat with one of our mortgage specialists and see exactly how your savings stack up.