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.

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.

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.

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.