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Zero Deposit Home Loans
The Zero Deposit Loan is a modern homeownership solutionthat lets eligible buyers purchase a property with up to 100% of thepurchase price funded.
The Zero Deposit Loan is a smarter structure.
The loan works by combining two loan components intoone seamless application:
- The Deposit Loan — covers up to 20% of the property price.
- The Primary Home Loan — covers 80% of the property price, repaid over 30 years.
Together, these two components fundupto 100% of your purchase price— with no LMI, no need for a guarantor,and no years lost waiting to save.
Who Is the Zero Deposit Loan For?
You don't need to be a first-home buyer to qualify. Thisproduct is built for a wide range of real Australians:
- Buyers close but not quite there — You have savings, good income, and strong credit — but you're still short of the full 20% deposit
- First-home buyers locked out of government schemes — Many properties (especially in South-East Queensland) exceed the First Home Buyer Guarantee (FHBG) price caps. Around 75% of homes in Brisbane, Gold Coast, and the Sunshine Coast exceed these limits
- Past property owners restarting — Whether you've been through a divorce, a sale, or a financial reset — you deserve a fresh path to ownership
- Investors building a portfolio — Zero Depositsupports investment loans up to 98% LVR, making it a powerful tool for property investors
- Couples with a non-citizen or non-PR partner — FHBG doesn't allow a non-PR partner's income to count. With the Zero Deposit Loan, your partner can be treated as an income guarantor, helping you qualify sooner
Ready to Get Started?
Getting into your first (or next) home doesn't have to meanyears more of waiting, saving, and watching prices climb out of reach. The ZeroDeposit Loan gives you a real, structured, lender-backed pathway intothe property market — today.
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FAQ`s
It's a legitimate lending structure — not a gimmick. TheZero Deposit Loan combines two separate loans (a primary home loan for 80% anda deposit loan for up to 20%) into one single application. You're not borrowingwithout accountability — you're borrowing the full amount in a structured,lender-approved way, without needing to pay Lender's Mortgage Insurance. Thinkof it as a smarter way to enter the property market sooner.
Whilethe loan can fund up to 100% of the purchase price, you will still need toaccount forupfront costssuch as stamp duty, conveyancingfees, and other purchase-related expenses. Having some savings — even if it'snot a full 20% deposit — is important. Our brokers can help you understandexactly what you'll need to have ready.
The Primary Loan portion (80%) comes at one of Australia'slowest variable rates. The deposit component carries its own variable rate.
Since you're borrowing the deposit rather thansaving it, there is a cost — but for many buyers, this is far outweighed bygetting into the market years earlier and avoiding LMI costs altogether.
Absolutely. The Zero Deposit Loan is not limited tofirst-home buyers. It's available to:
- Past property owners (including those restarting after a divorce or life change)
- Investors purchasing an investment property (up to 98% LVR)
- Upgraders who haven't yet saved a full new deposit
Under government schemes like the First Home Buyer Guarantee(FHBG), your partner's income cannot be counted if they're not a citizen or PR— which can seriously reduce your borrowing power. The Zero Deposit Loan offersa different approach: your partner can be treated as an incomeguarantor, helping the application qualify based on your combined financialposition. This is a significant advantage for many couples.
Yes!Self-employed borrowers are welcome.
Our brokers work with self-employed clients regularly andcan help you prepare the right documentation for a strong application.
Yes. Zero Deposit loan supports investment property purchases atup to 98% LVR, making the Zero Deposit Loan a compelling option forinvestors who want to build their portfolio without tying up large amounts ofcapital in deposits.
No. There are no penalties for paying out the deposit loan early. This means if your financial position improves —through savings, a windfall, or refinancing — you're free to pay it down aheadof schedule without any exit fees.
This is a very common challenge — particularly in South-EastQueensland, where approximately 75% of homes in Brisbane, the GoldCoast, and the Sunshine Coast exceed FHBG price caps. The Zero DepositLoan has no government price caps, giving you the freedom topurchase in the suburb and property type that suits your needs and lifestyle.
