Your home deposit is ready.

Home ownership is quicker than you thought possible with a little home deposit assist in Melbourne from Mum & Dad.


We use our relationships to be the gateway between the provider and the lenders together with your own cash savings and we use that to secure a new home. Then we progress to a home loan from one of our loan experts.

Fastrack to Eligibility

Most lenders will require a 5% deposit prior to the approval of your home loan. If you haven't achieved that, we can help with the 5% loans. Have no deposit no worries!

We can set up the HDA for the deposit for up to $10k. This will save you $5k on Lenders mortgage insurance and get you in sooner. $25000 home builders grant . click FAQ

Investment Property

We also help first-time investors who can purchase and use the rental income to help them make repayments easier. We usually provide the HDA at settlement and help  however we can secure the new home for you in the process.


We believe we are the first private company in Australia offering help with home loan deposits and help getting a home loan with low deposit in Melbourne. Naturally, our lenders will have the final say on whether you qualify or not but we first start with our own process to see if you qualify with us.


The Process

Application Assessment

We will help you by assessing whether you qualify for a Builders deposit contribution from one of our partners. If you qualify, you will then be assessed by the Home lender to see if you qualify for a home loan. We don't do credit checks so it won't affect your credit rating. Need help in getting bad credit home loans & low deposit in Melbourne are available.

Deposit Support

Once you are approved, you will be asked to pay a 5% deposit. If you don't have it, we can assess your application on the basis we will assist you. TAP

no repayment of the builders equity

The builder's credit is not payable back at any time from today onwards.

Home Owned

The Home Deposit Assist is yours to keep. You will own 100% of your home.

Our Model

Follow our simulation of a first & second home buyer below to understand the model and benefits.
  • Step 1

    Your Deposit = $15,000

    Mum & Dad Home Deposit Assist = $10,000

    Total Deposit $25,000

  • Step 2

    First Home Owners Grant = $10,000

    + Federal Government $25,000

    Total Funds $60,000

  • Step 3

    Save $5,000 on Lenders Mortgage Insurance taking your mortgage to 95% loan value ratio TAP

  • Step 4

    No Stamp Duty for First Home Buyers 

    Saving $10,000

  • Step 5

    Save on Rental Payments by moving into your home 1.5 years sooner

    Saving $30,000

  • Step 6

    Your Home Value increases from $500k to $600k in 5 years

    Value Increase $100,000

  • Step 7

    Your Equity is now $120,000 less your Home Deposit Assist of $10,000


    Net Gain $110,000

  • Step 8

    You started with $15,000 and have profited by way of home equity

    Total Gain $115,000

This simulation model is based on the following conditions:

  • Initial deposit of $15,000 *you may be required to save more.

  • Buying a new home for $500,000

  • Based on mortgage loan of $450,000

  • Repayments of $2,200 per month

  • 30 year term p+I

  • A mortgage of $450,000, monthly rental at $2,000 and saving $1,000 per month for a home for 6 months

  • Assumes 4% capital growth per annum for 5 years

  • All loans are subject to lender approval

  • let us explore if we can get you in sooner by using the grants that are now available, FAQ


Ready to get started?

Complete the application form today and begin your home ownership journey quicker than you thought possible with a little help from Mum & Dad.

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We use our relationships to be the gateway between the equity provider and use that to secure a new home and home loan from one of our loan experts. Get to know more about home deposit assistance here...

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,Melbourne 3000  Vic

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