Use Your Inheritance As Your Deposit
Using inheritance for a deposit is possible, but lenders often ask for specific documents, which can make the process tricky.
How we help with inheritance as deposits:
- Identify which lenders accept inheritance deposits right away.
- Guide you through documents like Wills, Probate, and executor letters
- Match you with banks that don’t force a 3-month waiting period (when possible).
- Make sure your inheritance is structured properly to count as your deposit.
Use your inheritance with confidence.
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Use Family Gifts As Your Deposit
Gifts from parents or relatives can form part, or even all, of your deposit. Lenders just need proof that the money is a gift, not a loan.
How we help with gifted deposit:
- We’ll give you a ready-to-use “gift letter” template.
- Show you which banks accept gifted deposits up to 95% LVR.
- Handle lender questions so you don’t get stuck in back-and-forth.
- Help structure your application so approval comes faster
Check if your gifted deposit qualifies.
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Turn Family Property Transfers Into Equity
Some families help by transferring a property title directly, either as a gift or selling at a reduced price. This creates equity that can be used as your deposit.
How we help with family property transfers:
- Show you which lenders accept gift of equity or family property transfers
- Help you access up to 80% of the transferred property’s equity
- Structure the transfer so it boosts your borrowing power
- Reduce or remove the need for cash savings in your application
- Avoid Lenders Mortgage Insurance (LMI) with strong equity
Got a family property transfer? We’ll help you unlock the equity.
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Parent Assist As Your Deposit
A Parent Assist Loan lets parents contribute cash directly to your deposit through a formal family loan. It’s safer than guarantor loans because parents don’t use their property as security.
How we help with Parent Assist loans:
- Connect you with specialist lenders that offer Parent Assist
- Show you how to borrow up to 105% of the property price
- Structure the deposit so parents contribute 25% while the bank lends up to 80%.
- Get flexible terms (up to 30 years) with the option to repay early without penalties
See if Parent Assist is right for you.
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Hear From Our Customers
We are so truly grateful for your expertise and we appreciate you all so much. Not only did you make it stress free but you made it a smooth process in the 11th hour. This is what customer service is and your team is second to none. Thank you again from my family and I.
They helped us find how much we could borrow and helped find a loan that worked best for us and always responded promptly. The interest rate they secured us was 1% better than what was advertised for the same loan on the banks website.
The team at Home Loan Experts has now helped me three times, once with refinancing, once with accessing equity and once with a construction loan. I must say the team has done a fantastic job each time. Truly a magnificent experience working with this team.
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Ready To Use Family Support For Your Deposit?
Get approved using inheritance, gifts, family transfers or Parent Assist in just 3 easy steps.
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Enquire with us.
Fill in our quick free assessment form or call us on 1300 889 743.
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Tell us about your family support.
Our specialist brokers will assess your inheritance, gift, or property transfer to see how lenders will treat it.
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Get approved faster.
We’ll match you with the best lender options for your situation and help you buy your home sooner.