Deposit calculation
Separate genuine savings, gifted funds and available cash from the costs of buying.
Melbourne-based. Helping borrowers Australia-wide. Available 7 days.
0477 212 840Low-deposit home loans Melbourne
Explore home ownership with a smaller deposit.
Understand lender deposit requirements, lenders mortgage insurance and eligible guarantee or assistance pathways before choosing a property.
Deposit position mappedPurchase costs consideredEligible pathways reviewed
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Clear advice from start to finish.18 years’ experience · 40+ lenders compared
How we help
Know what your deposit can realistically support.
A smaller deposit can affect lender choice, costs and approval conditions. We put the full purchase position into one clear plan.
LMI considerations
Explain when lenders mortgage insurance may apply and how it affects the transaction.
Guarantee pathways
Check potentially relevant government or family-guarantee options and their lending implications.
Practical budget
Balance the purchase target with repayments, cash buffers and lender requirements.
Your pathway
A considered process. Clear next steps.
Calculate
Map savings, eligible funds and expected purchase costs.
Check
Review relevant scheme, guarantee and lender eligibility.
Compare
Assess suitable loans and the total costs involved.
Prepare
Build the documentation and pre-approval pathway.
Related specialist options
Explore another lending pathway.
Self-employed home loans
Turn business income, financial statements and supporting documents into a clear home-loan application strategy.
Learn moreGuarantor home loans
Explore how a family guarantee may work, what the guarantor is securing and which safeguards and independent advice should be considered.
Learn moreConstruction loans
Understand progress payments, lender valuation requirements, construction contracts and the funds you may need throughout the build.
Learn moreTalk to an experienced broker
Let’s make your next step clearer.
Share a few details and Chris will contact you personally to understand your position and outline a useful next step. There’s no pressure and no obligation.
Common questions
Good decisions start with good questions.
Can I buy with less than a 20% deposit?+
Potentially. Available options depend on lender criteria, property type, income, credit position and whether an eligible guarantee applies. LMI may be payable.
Does my deposit include stamp duty and other costs?+
Purchase costs generally need to be considered in addition to the deposit. The exact amount varies by location, property and eligibility for concessions.
Is a low-deposit loan more expensive?+
It can involve LMI, different rates or fewer lender choices. The complete cost should be assessed rather than focusing only on the deposit percentage.
This information is general in nature and does not take into account your objectives, financial situation or needs. Credit assistance is subject to assessment, lender criteria and approval. Government scheme and grant eligibility is determined by the relevant authority.