Low deposit
home loans

Aka, the one for those who haven’t just found out they’re the heir to Genovia.

Because life has to be fun.

Life in Australia’s most underrated (and quietly brilliant) city is pretty sweet. Think world-class wine regions on your doorstep, a buzzing food scene, and festivals for days… so it’s no surprise your savings might have taken a bit of a detour.

Luckily, if you’re dreaming of home ownership in Adelaide, there’s a range of low deposit home loans that could help you get the keys to your own place – without waiting forever or draining your smashed avo fund.

Starting from 0%. Yes, you read that correctly.

Let’s count the ways, shall we?

0% Deposit – The one backed by mum and dad.
One of the biggest lenders in the country, and still our sentimental favourite. With BOMD (The Bank of Mum and Dad) acting as guarantors, you could borrow up to 100% of your home loan with a deposit of 0%. Yep, 0%. If your folks are happy to help, this can be a great fast-track to homeownership. Read more about Guarantor Home Loans.
2% Deposit – The one backed by the SA Government. Through HomeStart Finance, a South Australian government initiative, eligible buyers can get into their own home with as little as a 2% deposit – and no Lenders Mortgage Insurance (LMI) required. There are also options like shared equity and starter loans to help cover upfront costs. Read more about HomeStart Loans.
5% Deposit – The one backed by the bank.
If you’re going it solo and don’t qualify for HomeStart or BOMD support, the good news is that many banks will lend up to 95% of your home loan. Just be aware you’ll need to meet a few stricter criteria and factor in the cost of LMI.

Scrimping and scraping for a 30% deposit? Loosen that belt a little and explore a low deposit home loan (they do exist!).

Ok so what's next?

Our brilliant Vida is ready to help. Ask anything. Really… go on 👇

Jo Williams

The one who turns maybes into meetings

M 0492 004 622

🎉
Thank you, one of our Vida's will call you within 48 hours.

Great news! That form was sent successfully.
Have we told you how glad we are you've reached out? Very :)

Can’t Find the Right Home Design For You? Take Our Quiz!

Sifting through dozens of designs to find the ‘one’? No thanks. Forgo the endless swiping (and mental confusion that comes with it) and leave the heavy lifting to the Home Design Quiz.

Unlock Exclusive Perks  with Your Home Purchase

We believe every client of ours should get the VIP treatment. When you make time to see us, we ensure it’s an experience worth having, complete with exclusive perks you won’t find elsewhere.

Smart Finance Moves: Own Your Home Sooner

Did you know you can get a home of your own with a couple of grand in savings,  pending you meet a few criteria? No - well, now you do!

First home
owners grant

The one that gets you the free money. $15k worth.

HomeStart Loan

The one backed by the SA Government.

Construction finance

The one that lets you pay as you go.

First Home Guarantee

The one with the 5% deposit.

Guarantor
home loan

The one backed by mum and dad. Love you guys

Borrowing
power calculator

The one where the dream is closer than you thought.

Low deposit home loans