Your First Home, Sooner.

Many first-home buyers believe they need to save a 20% deposit before they can even think about buying.

    Here’s the truth:

  • You can buy your first home with a deposit as low as 5%
  • Government schemes and grants reduce the deposit required
  • Lender policies can help renters get approval faster
  • Family support options bridge the deposit gap
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16+ years in business
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$5 billion+ loans settled
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Fast & confidential loan process
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The Cost Of Waiting

Every year spent saving for a bigger deposit comes with trade-offs:

  • Property prices keep rising.
  • Rent drains money you’ll never get back.
  • Explore more housing options than ever.
  • Your dream home can slip further away.

The hidden cost isn’t just financial. It’s the frustration of feeling stuck while others move forward.

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Why Less Than 20% Works

It’s not luck. It’s knowing the rules.

  • Government schemes and grants to help you buy as little as 5%
  • Lenders that consider strong rental history as genuine savings
  • Family support options that cover what’s missing
Explore Your Options
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The Low Deposit Breakthrough

Here are some of the most common ways buyers purchase with less than 20%:

  • 5% deposit: Access government guarantees that waive LMI
  • 10-15% deposit: Get lender options with reduced upfront costs
  • Gifted deposit: Counted as genuine savings in many cases
  • Guarantor loans: Use family support to cover the gap

You may be closer to your first home than you think.

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50+ lenders for you to choose from

Our brokers will compare thousands of home loans to find you the best fit.

Real People, Real Experiences

Home Loan Experts reviewer
JoAnna A testimonial-review-star

My Husband and I met later in life and had no way of saving the 20% deposit for a home of our own. Within 4 weeks we had full approval from the bank and we are now about to move into our dream home that a month ago we never thought would be possible.

Home Loan Experts reviewer
Azmi testimonial-review-star

I had been advised by various mortgage brokers that I needed to save up more money for a deposit. Then one day I got a call from Home Loan Experts and now we are about to own our first home having secured a formal approval.

Home Loan Experts reviewer
Staunchy testimonial-review-star

I was after a loan without paying LMI but didn’t have much of a deposit. I received a good deal at competitive rates that I couldn’t of achieved without them. Excellent service and communication, would highly recommend!

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4.9 out of 2,000++ reviews

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4.8 out of 430++ reviews

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4.8 out of 1000++ reviews

Award-Winning Expertise At Your Service

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Buy Your First Home Sooner

Here’s how to make it happen.

  • Enquire with us.

    Fill out our quick assessment form or call us at 1300 889 743.

  • Understand your situation

    A dedicated expert will contact you to understand your specific goals. Together, we’ll assess the situation and explore the right options.

  • Secure your ideal home loan solution

    Leverage our network of lenders to find the best option based on your needs.