Buy with just a 5% deposit. The government guarantees the next 15%, so you avoid Lenders Mortgage Insurance. No income cap, no place limit, lifted price caps.
Min deposit
5%
LMI?
No
Places
Unlimited
Australia’s only independent low-deposit hub. We map every federal and state scheme to your situation, then show you the actual numbers — what you need, what you save, and the gap in between.
From federal guarantees to state grants and shared-equity co-ownership, we map every path that lets you buy with less than a 20% deposit. Filter by who you are.
Buy with just a 5% deposit. The government guarantees the next 15%, so you avoid Lenders Mortgage Insurance. No income cap, no place limit, lifted price caps.
Single parents with at least one dependent child can buy with as little as 2% deposit and skip LMI. Replaces older single-parent schemes.
Shared equity at scale. The government co-owns up to 40% of a new home (30% existing) — you save 2%, own outright, and stair-case your way to 100%.
Stash up to $50,000 extra in your super and withdraw it for a deposit — taxed at the lower super rate of 15% instead of your marginal rate.
State-by-state cash. NSW: $10,000 for new builds <$600K. VIC: $10,000 regional. QLD: $30,000 for new builds. WA: $10,000. TAS: $30,000 for builds.
State-owned lenders that accept 2% deposit (Keystart WA) or 2–3% (HomeStart SA) with no LMI — even when the banks say no.
Developer-backed deposit instalments. Secure a new apartment or townhouse from $10,000 upfront and pay the rest of your deposit weekly, interest-free, while it’s built.
Move the sliders. We’ll show your deposit, your weekly payments, the government contribution, the LMI saved, and which schemes you’d likely qualify for.
Price caps, grants, and the schemes that actually apply where you want to buy. Live median data from Cotality, March 2026. See the complete state-by-state grants & concessions table →
No loans, no LMI, no jargon. We aggregate every low-deposit pathway and match you to the one that fits.
60-second quiz. Are you a first home buyer, single parent, investor or downsizer? Where do you want to buy? What can you put down today?
Our engine ranks the seven federal, state and developer pathways you’re eligible for — with the deposit, weekly payment, and LMI you’d save on each.
Filter off-the-plan stock from Australia’s top developers by city, price, deposit and completion date. Lock in from $10,000.
Interest-free, fee-free weekly instalments toward your deposit while your home is built. Track every payment in real time on your phone.
Arrive at settlement with the full deposit ready, no LMI, and a stack of grants & co-ownership support. Move in.
Independent analysis we publish ourselves, not a rehash of government press releases.
From the new Help to Buy launch to the expanded 5% guarantee, we map all seven pathways against your income, family and state to show the optimal stack.
Read the playbook →“We had $12k in savings and a dream. LoDeposit matched us to a Sydney off-the-plan + the 5% scheme + the NSW grant. We moved in 14 months later. The bank said it was impossible.”
“Single mum, two kids, $8k in the bank. Help to Buy + Family Home Guarantee + a Keystart-style state scheme got me into a new townhouse in Adelaide. I cried at settlement.”
“As an investor, I used the weekly deposit plan to keep my cash deployed elsewhere. By settlement I’d earned more on the cash than I’d spent on the deposit.”
From 1 October 2025, eligible first home buyers can purchase with as little as 5% under the expanded 5% Deposit Scheme. Single parents with dependents can go even lower — 2% under the Family Home Guarantee. The new Help to Buy scheme (open 5 Dec 2025) also starts at 2%, with the government contributing up to 40% of the purchase price.
No. We don't issue loans. We are an independent comparison platform that maps every federal, state and developer-backed low-deposit pathway and matches them to your situation. We then connect you to the right lender, developer or scheme provider.
Lenders Mortgage Insurance (LMI) protects the bank if you default on a loan with less than a 20% deposit. It can cost $10,000–$30,000+ on a typical Sydney home. You avoid it entirely under the 5% Deposit Scheme, the Family Home Guarantee, Help to Buy, and via state lenders like Keystart (WA) and HomeStart (SA).
Help to Buy is a shared-equity scheme launching 5 December 2025. The Australian Government contributes up to 40% of the price of a new home (30% for existing homes) in exchange for an equivalent ownership share. You save a minimum 2% deposit, take out a normal mortgage for the rest, and can buy back the government’s stake over time. 10,000 places per year, income cap $103K (single) / $165K (joint).
Yes — most schemes stack. You can typically use a state First Home Owner Grant on top of the 5% Deposit Scheme, the First Home Super Saver Scheme on top of Help to Buy, and so on. The calculator shows you the optimal stack. We also flag any combinations that aren’t allowed.
For most federal schemes you need to be an Australian citizen (permanent residents qualify for some state grants and the Family Home Guarantee). New Zealand citizens on a special category visa may also qualify for several schemes. Check each scheme’s eligibility in our guides.
Off-the-plan construction typically takes 12–24 months. Your weekly payments line up with the build period. We structure plans to align with your construction timeline and projected settlement date, so you arrive at settlement with the full deposit ready.
Seven questions. We rank every federal, state and developer pathway you qualify for, with deposit, weekly payments, LMI saved and the grants you’re leaving on the table.