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You do not always need 20% to buy. A low deposit home loan can let you buy with 5%, or even 2% for eligible single parents, through government schemes or lenders mortgage insurance.
We compare every low deposit home loan option from 50+ lenders, including family guarantee loans, and show you the true cost of each.
Find out how soon you could buy with a low deposit home loan with a free chat.
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Buy your home sooner with flexible low-deposit loan options, government grants, and expert guidance every step of the way.
Saving a large deposit can be challenging — but with the right lender and guidance, home ownership may be much closer than you think. At Kickstart Finance Group, we help clients secure home loans with deposits as low as 2–5%, depending on eligibility.
We compare lenders, government schemes, and low-deposit options to help you buy your home faster.
Check Your Low-Deposit OptionsYes, many lenders accept a 5% deposit. Eligible first home buyers may also use the government’s 5% Deposit Scheme to avoid Lenders Mortgage Insurance (LMI). Price caps and eligibility rules apply, and we’ll check for you.
LMI is a one-off insurance premium that protects the lender (not you) when you borrow more than 80% of a property’s value. It can often be added to the loan. Some professions and government schemes can reduce or waive it.
A family member uses equity in their own property as extra security for part of your loan. This can let you buy with little or no deposit and avoid LMI. Guarantors should get independent legal advice.
Many lenders want to see a history of saving, often 5% of the price held over around 3 months, though rules vary. Rent paid on time or a guarantor can sometimes help.
Sometimes. Some lenders price higher-LVR loans differently, so comparing lenders is important. We compare 50+ to find the best fit.
Tell us what you need and we’ll compare 50+ lenders for you. No cost, no obligation. Prefer to talk? Call 0422 905 666.
