Want To Learn How You Can Own a Home With Just 5% Deposit ?
Smart Loan Solutions Backed by Experience
We don’t just help you find a loan — we help you find the right one. Our experienced team looks at your full financial picture and compares options from over 15 trusted lenders. With honest advice and clear support, we make the process simple and stress-free.
Personal Support - Friendly help from your first call to settlement.
First Home Buyer
Our expert mortgage advisers will guide you through the process, compare lenders, and help you take the first step onto the property ladder.
How We Help You Get the Right Loan
Getting a loan doesn’t have to be confusing or stressful. Our step-by-step process keeps things clear and easy, so you always know what’s happening and what comes next.
Can I really buy a home with just a 5% deposit?
Yes — if your household income is under $150,000, you may qualify for a loan with just a 5% deposit. There are specific lending criteria, but we’ll assess your situation, explain everything clearly, and help you apply with the lender that fits you best.
Does my income have to be exactly $150,000 or less?
No — $150,000 is a general benchmark used by many lenders, but it’s not a strict cut-off. If your income is slightly over, we may still be able to help depending on your expenses, deposit amount, and overall financial health. We’ll go through all of this with you.
Can I still apply if I’m self-employed?
Definitely. We work with lenders who regularly approve loans for self-employed applicants. You may need to show more income records or tax returns, but we’ll walk you through exactly what’s needed and help you prepare a strong application.
What if I have a low credit score?
A low credit score doesn’t automatically mean you can’t get a loan. Some lenders are more flexible and will consider your overall financial situation. We’ll take a look at your credit history and guide you toward lenders who are more understanding.
How long does it take to get approved?
It usually takes around 2 to 4 weeks from the time you apply, depending on the lender and how quickly documents are provided. We’ll help you stay on track, submit everything on time, and keep you updated throughout the process.
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