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low deposit home application

We're helping first home buyers to escape the rent cycle and get their foot into the property market with less savings. If you meet the criteria below, you may be closer to home ownership than you think!

Basic Qualification Criteria

  • 18+ and eligible for the Government First Home Owners Grant.
  • Annual income of $65k+ before tax (this may include bonuses and Centrelink payments) ($85k+ for joint applicants).
  • Deposit amounts start from $5,000.
  • Rental history of 6+ months with the lease in applicant's name (Other options may be available to applicants without rental history).
  • Good credit history with no defaults.
  • Must be Australian Citizens or Permanent Residents (NZ Citizens are Eligible without citizenship).
  • Up to 4 applicants may apply per application.


Start Your Application!

Applying is fast and secure and won't affect your credit score. Your application will allow us to determine if you qualify and what options may be available to you.

To get started, select Single or Joint applicants below.

Single Applicant Joint Applicants


Please note: The criteria above is a basic outline and qualification will depend on your individual circumstances. All information provided will remain secure and confidential.


Need asssistance?

If you require assistance with your application please contact our friendly team on 1300 657 184 between 9am-5pm Monday-Friday.



What you should know

  • Applying will take approximately 5-10 minutes.
  • Applying will not affect your credit rating.
  • We promise to keep your information safe and secure.