Low-deposit loans, government schemes and a broker who explains every step. We help you work out what you can borrow and get you ready to buy.
You could borrow around
Buying your first place comes with a lot of new terms and moving parts. We explain your options in plain English, check which schemes you may be eligible for and manage the loan through to settlement.
There is more than one path to buying with a small deposit. We compare them side by side so you can choose with the full picture.
Buy with a 5–10% deposit through lenders that suit first home buyers, with or without lenders mortgage insurance.
Federal and state schemes may help eligible buyers purchase with a smaller deposit and no LMI. We check what applies to you.
A family member can use equity in their property to guarantee part of your loan, helping you avoid LMI.
Pool deposits and incomes with people you trust. Co-buying is where Propple started.
Land and construction loans for house-and-land packages and new builds.
A clear plan from your first question to moving in.
We talk through your income, savings, timing and the kind of home you want.
We estimate your borrowing power and check schemes, grants and concessions.
We lodge with the right lender so you can make offers with confidence.
We guide you from contract to settlement and explain every document.
It is the biggest purchase most people make. You should understand every part of it.
Talk to a brokerOne person from first call to settlement who explains things in plain English.
We look at federal and state options so you do not miss anything you may be eligible for.
Some lenders are far friendlier to first home buyers than others.
We are paid by the lender when your loan settles.
The home, the car, the investment property, the business. Same team, same lender panel, one conversation.
Home loansBuy, build or refinance
Construction loansBuild or knockdown rebuild
Investment loansGrow your portfolio
Car financeNew, used and novated
SMSF loansProperty in your super
Commercial propertyOffices, retail, industrial
Equipment financeMachinery, vehicles, tools
Business financeCash flow and growthMany lenders accept 5–10% deposits. With less than 20%, lenders mortgage insurance usually applies unless you use an eligible government scheme or a guarantor.
Depending on where you buy, the price and your circumstances, you may be eligible for federal schemes, state grants or stamp duty concessions. Eligibility rules change, so we check the current criteria with you.
Usually three to six months, depending on the lender.
Yes. Co-buying with friends or family is common, and we can structure the loan so everyone’s share is clear.
A free call with a Propple broker. You’ll leave with a borrowing estimate and a plan to get into your first home.
Calculator results are estimates for illustration only. They use the figures you enter and an example interest rate, and do not include fees, charges or lender credit criteria. They are not a quote, an offer of credit or a pre-approval.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Consider whether it is right for you before acting on it. All applications are subject to lender assessment and approval.
Propple Pty Ltd, ABN 39 652 025 646. Credit Representative Number 537767. AFSL 384704. AFCA member 87648.
Government scheme eligibility, caps and availability are set by the relevant government and can change. Your broker will confirm current criteria before you apply.
