Buy a home with 5% deposit

Finding it difficult to save a 20% deposit? There is another option…


Did you know that by using a low deposit home loan, it’s possible to buy to a home with as little as 5% deposit? If you’re struggling to save the traditional 20% deposit … talk to us to find a better solution.

What is a low deposit home loan

What is a low deposit home loan?


A low deposit home loan is sometimes called a 90% or 95% home loan and it allows you to buy your home with as little as 5-10% deposit.

Low deposit home loans usually come with extra criteria, so it’s important you fully understand your commitment before you sign on the dotted line.

At Shore Financial we have access to over thirty different lenders so you can rely on us to find the loan that’s the right fit for you – with the lowest possible rates.

How can I make this happen

How can I make this happen?


Without a doubt, the best way to find the home loan solution that is right for you is to have a talk with one of the team at Shore Financial.

Cookie cutter approaches don’t work. You need a solution that is fitted to your unique circumstances, delivered by someone who has your best interests at heart.

In a free, confidential consultation we can let you know what the best options for you might be. We’ll also be by your side through the buying journey, making sure you understand the process every step of the way.

Read the story of how Shore Financial helped First Home Buyer Sophie buy her dream property here.

What do I need to know?


Low deposit home loans carry extra risk for the lender, and there are several options available to offset that risk for the lender. Each comes with set criteria.

What do I need to know
  • Lenders Mortgage Insurance… or LMI can be organised by your broker and added to your premium so it is paid off over time.
  • A Guarantor Loan is when a guarantor, usually an immediate family member, allows the equity in his or her own property to be used as additional security for your loan.
  • First Home Owner Grant…or FHOG can help you gather a larger deposit.
  • Unlocking equity… if you own an investment property you may be able to use the equity as security for your home loan.

Learn more about Lenders Mortgage Insurance.
Learn more about Guarantor Loans.
Learn more about First Home Owner Grant.

Brokers work for you


At Shore Financial, we’re passionate about helping our clients build wealth through property. Tailored customer service, better than you’ll find with any other broker, is our promise to you.

Our success is tied to your prosperity – so you can be assured that your best interests are our number one focus.

Get in touch with Shore Financial today and maximise your opportunity through property!


  • Levels 3 & 4, 153 Walker Street
    North Sydney, 2060

  • 1300 416 700

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