The current lending environment offers unprecedented opportunities for buyers with minimal deposits and competitive rates.
Many borrowers lack the traditional 5% deposit for government LMI waiver schemes, but multiple innovative alternatives now exist.
Current Low Deposit Solutions:-
Government Scheme (Expanded October 2025)
- 95% lending with 5% deposit, no LMI – unlimited places, no income/price limits
- Rates from 5.29%
Traditional High-LVR Options
- 95% lending + capitalised LMI – from 5.64% owner-occupier, 6.04% investment
- 80% + 17.5% second mortgage – no LMI
Deposit Funding Solutions:
- AffordAssist deferred deposit – 0% interest over 5 years
- Personal loans for deposit portion – typically 8-12% over 5-7 years
These solutions require strategic matching of client circumstances to appropriate products, with all loans requiring demonstrated serviceability for total debt obligations. Most options suit the majority of metropolitan and regional properties with standard restrictions applying.
The pathway to property ownership has been revolutionised – making homeownership more accessible than ever before. Contact us to discuss which solution best fits your circumstances.
* current % and lender policy can change without notice
