Whether you’re a first-timer, leveraging a family guarantee, or going the SMSF route, your deposit requirement depends on your situation and loan type:

Minimum Deposit

Standard loans typically require a 5–20% deposit.

First home buyers may need as little as a 5% deposit or Zero Deposit if you have a guarantor.

LMI (Lenders Mortgage Insurance)

Usually applies when borrowing over 80% of a property’s value.

Can often be waived for certain professionals or with a guarantor in place.

LVR (Loan-to-Value Ratio)

Standard requirement is 80% or less to avoid LMI.

With a guarantor, lenders may allow you to borrow at a higher LVR.

Stamp Duty & Concessions

Stamp duty still applies and varies by state.

First home buyers may be eligible for concessions or exemptions.

SMSF (Self-Managed Super Fund) Loans

Require at least a 20% deposit.

Borrowing capacity is assessed independently of the trustee’s personal assets and liabilities.

Most lenders like to see consistent employment history—generally 3–6 months in your current role. However, this can vary depending on your profession, the type of loan, and the lender’s policies.

- If you’re a permanent employee, approval is often easier with stable income.

- Casual or contract workers may need to show a longer track record.

- Some lenders offer flexibility for professionals in high-demand industries.

By choosing us as your guide, you’re not just getting a loan, you’re gaining a trusted partner in your home-buying journey.

The timeframe depends on the type of loan, your documentation, and the lender:

Standard home loans: Usually 2- 5 Days from application to approval.

Specialised loans (e.g., SMSF or bridging): May take longer due to extra requirements.

Fast-track approvals: In some cases, we can help speed things up if you have all documents ready.

Our role is to streamline the process by handling the paperwork and lender negotiations for you—making the experience smoother, faster, and less stressful.

Bridging loans are designed as short-term solutions while you buy and sell property.

Standard terms are up to 12 months. Extensions beyond this are not typical, but options may exist depending on the lender and your circumstances.

The safest approach is to plan your sale and purchase within the 12-month window.

Not sure if you’ll need more time? Speak with us early, and we’ll help you explore your best options.

Potentially, lenders assess your cashflow with both loans active. If you need to move before you sell, a bridging loan can help; we’ll structure the finance to minimise risk.