Our mission:
Help Aussies Skip to home ownership
Skip exists to improve access to homeownership for Australian families. We do this by providing simple, fair, low deposit home loans
Our Awards and Recognition
We are proud to showcase our awards and media recognition that highlight our commitment to excellence.
Lending Innovation of the Year
Home Loan Awards
Best New Lender Home Loan
RateCity Gold Award
Best For First Home Buyers
Home Loan Awards
Best Low Deposit Home Loan
Home Loan Awards
As seen in
Why We Founded Skip
Our journey began when we realised our friends were being divided into the homeownership ‘haves’ and ‘have nots’. Not because of how hard they worked, the jobs they had, or even whether they were good borrowers or great savers, but primarily based on whether they had access to the Bank of Mum & Dad.
As first and second-generation Australians, 'the lucky country' is more than just a phrase. It's our lived experience. We're beneficiaries of the Australian 'Fair Go' in every sense. We've had access to opportunity, independently of who we are, where we came from, and perhaps most importantly, who our parents are. We think the 'Fair Go' has gone missing from homeownership, and we're determined to help more Australians unlock the dream of owning their home.
We started Skip to help you (hard-working, talented Australians) get onto the property ladder and move further up it. We’ve focused on removing fees, reducing upfront costs (your deposit) and optimising loans for young Australian families. We’re thrilled you’re here and would love to be part of your homeownership story.
Adam, Marian and Mario
Our Values
Our values guide our decisions and everything we do
High Integrity
Integrity is at the core of everything we do. We’ll work to earn the trust of our customers, colleagues and partners
Optimistic
Skip is for optimists. We’re optimistic about technology and the future. Most importantly, we're optimistic about our customers - Australia's best and brightest
Customer Centric
We put the best long term financial interests of our customers first
First Principles
We aren’t carried by inertia and convention. We believe in testing assumptions and thinking with rigour from first principles
Our Advisory Board
Daniel is a highly regarded Australian technology executive and investor. After senior global roles at Microsoft, he co-founded groundbreaking venture firms such as AirTree and Netus, helping shape the modern Australian tech ecosystem.
Curt is one of Australia’s most respected banking executives. He spent 23 years at Westpac, 16 of them as Treasurer. Curt helped navigate Westpac through the GFC, ultimately leading to Westpac as one of the largest issuers of corporate bonds globally.
Steve is one of Australia’s top fintech marketing leaders. He has held senior roles at Uber, eBay, PayPal and Zip. He continues to play an active role in shaping the growth of Australia’s fintech sector as the co-founder and CEO of Archie
Investors & Capital Partners
Our exec team
FAQs
Find answers to your most pressing questions
Neither!
Instead, we are a non-bank lender. We are an Australian Credit License (ACL) holder with authorisations to provide credit and credit assistance to consumers.
Visit our Rates & Fees page to see our current interest rates.
You can see our eligibility requirements here.
The short answer: We’ve focused on helping borrowers who don’t have a “full” 20% deposit. By building a suite of products designed specifically for our borrowers, we’ve been able to make our loans cheaper and more accessible.
There’s no catch.
We’re a mission driven business and our mission is to improve access to homeownership for young Australian families. We’ve done this by creating products we’d use and encourage our friends and family to use. Our loans are simple and we don’t take any equity in your home or have any equity-based incentives.
We’ve worked *very* hard to provide the lowest-cost loans possible and will work even harder to make things even more affordable for you – Australia’s next generation – as we build.
Lending eligibility criteria applies.
Yes, we provide pre-approvals. To do this, we assess everything we can without knowing the final property you’ll be purchasing.
As is the market standard, pre-approvals are typically subject to satisfactory valuation of the property you purchase. If you’ve already purchased the property or exchanged contracts we can also go straight to an unconditional approval.
Prior to starting your application, we suggest you use our online calculators to understand your borrowing capacity and loan estimate.
Once you are ready to apply, click on Apply Now and follow the steps to complete and submit your application.
We have a suite of loan products that will benefit you, regardless of whether you are deposit or serviceability constrained.
All our loans have lower upfront fees than any comparable loan that requires LMI at the same LVR. See our rates page for more information.