Low Deposit Home Loans

Wake up in your dream home

Renting? Low deposit?  Strong income ?

We can help

The quicker you step onto the property ladder, the faster you start building life as you want it. We know that saving a deposit can be challenging, that’s why we’ll tailor a home loan solution so that you can buy today.

Structured specifically to suit high-income earners with a growing deposit and a great rental track record, we can arrange a loan to help you get into your dream home sooner.

Just talk to us.

Genuine and Non-Genuine Savings

Borrow up to 95% LVR inclusive of  LMI

(max LVR 95%)

Our Low Deposit loan caters to borrowers who:

  • Have little in the way of a deposit
  • Do not have 5% genuine savings to contribute to a deposit
  • Equity contribution may be by way of a gift
  • First Home Owners Grant or 6 months rental statements as support of a 5% deposit


  • Dynamic Repayments

  • Redraw

  • 100% Offset

  • Split Loan Facility

  • Internal Portion Transfer

    (if a split loan)

  • Loan Access System

  • Loan Access Card

  • Inward BPAY

  • BPAY

  • Outward Third Party Debits

Secure loans up to 95% of the property valuation

Potentially borrow up to 95% of your property’s value

Fast turnaround times

We manage the application and settlement process end-to-end

Your own personal relationship manager

Your Personal Relationship Manager to help you along the way

Get your free consultation

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Client Stories

I was looking for a change and found the perfect new home with a sunny balcony in vibrant Surry Hills.    Not ideal timing as I had just opened a new studio however the team at Mortgage Direct were able to arrange my financing so I could buy my dream home, thanks Jo !      Peta 

All applications are subject to the relevant credit provider’s credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply.


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To request a copy of the Target Market Determination please contact us at info@mortgagedirect.com.au or on 1300 360 999
The information provided on this website does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for your lending criteria. Fees, terms and conditions apply.