Low-Deposit Home Loans
Buy sooner with smart structure.
Compare lenders, features and repayments to keep life affordable — now and later.
Explore Loan Options
As a single parent or legal guardian, you don’t need to wait years to save a big deposit. With smart lending options — including government-backed guarantees — we’ll help you purchase with as little as a 2–5% deposit, avoid (or reduce) LMI where eligible, and keep repayments manageable.
Between raising kids, managing work and budgeting, saving a 20% deposit can feel impossible. The good news: you may not need to. With the right lender — and, where eligible, a government-backed guarantee — you could buy with a smaller deposit while avoiding or reducing LMI.
Important: Eligibility, income caps and property price caps apply and can change over time. We’ll confirm your options and model repayments with buffers.
We’ll compare lenders and eligibility to find your fastest path to keys in hand.
Buy sooner with a small deposit while the guarantee covers part of the shortfall. Great for single parents meeting scheme criteria.
If you don’t qualify for the guarantee, we source sharp low-deposit home loans and negotiate pricing.
We align construction lending with scheme caps and progress-payment cash flow, so the build fits your budget.
If you’re close but not quite there, we map a plan: savings targets, liabilities tidy-up and timeline to qualify.
*Eligibility note: Government places are limited and released periodically. We’ll secure a spot when available and position you with a strong application in the meantime.
Simple steps that respect your time, budget and family life.
Quick review of your situation against scheme rules and lender policy for income, deposit and property caps.
We model repayments with buffers, accounting for childcare costs and family benefits.
Order up-front valuation where possible and secure a pre-approval that fits your target suburbs.
We provide free suburb data and connect you with trusted buyer’s agents and conveyancers if you want extra help.
We handle the paperwork, keep you updated and coordinate timelines with your lender.
From formal approval to keys — we choreograph every step and keep things calm and clear.
Post-settlement check-ins, rate reviews and goal planning for your next chapter.
Everything you want to know — without the jargon.
Many lenders consider a portion of these payments (with documentation). We’ll match you to policies that are most favourable to your situation.
Some schemes allow single parents who’ve previously owned a home to re-enter the market. We’ll confirm your eligibility.
With the government guarantee (if eligible) you may buy with as little as 2%. Otherwise, lenders offer low-deposit options from 5–10% (LMI may apply).
We’ll outline all costs upfront, check for concessions you may qualify for, and structure your loan with buffers so there are no surprises.
No problem. Alt-doc and self-employed policies can work well with single parent applications — we’ll show you what documentation to prepare.
“I grew this service to make homeownership accessible for single-income families. Our job is to simplify, advocate and get you home — without stretching your budget.” — Quinto White
From pre-approval to settlement, we handle the admin while you focus on your family. Expect clear communication, practical options and genuine care.
We place you with lenders who recognise your income sources and offer fair, flexible terms.
We model repayments with buffers and set up offset/automation to keep cash flow comfortable.
From valuations to legal partners, we coordinate your team so settlement is smooth.
We combine expertise with empathy — and fight for the best outcome.
We know the fine print — and how to position your application to meet scheme and lender rules.
Flexible appointments, clear checklists and fast updates — designed for busy parents.
Sharp rates, fair fees and structures that protect cash flow now and in the future.
We’ll confirm eligibility, compare lenders and handle the paperwork — with empathy and precision.
Support for every step of your property journey.
Buy sooner with smart structure.
Compare lenders, features and repayments to keep life affordable — now and later.
Explore Loan OptionsPolicy benefits that may help.
Selected careers receive LMI waivers or higher LVRs — useful if you’re re-entering the market.
See Professional LoansPlan today — protect tomorrow.
We’ll set up offsets, redraw and repayment automation so family life stays comfortable.
View Finance OptionsBuild security at your pace.
When you’re ready, we can help with investing plans, buffers and safe structures for long-term goals.
Start Planning