The Ultimate Guide to Home Loan Deposits

How to actually save up and buy a property in Australia

Man searching for home loan deposit Saving for a deposit is one of the biggest hurdles to getting into the property market. As house prices rise, the task only gets more difficult. It can be tough to even figure out how to get started.

That's why we’ve produced this definitive guide to home loan deposits. We'll show you how much to save for a deposit, what assets you can use as a deposit, how to build your budget and how to maximise the money you have.

We've also provided some outside-the-square suggestions if saving the deposit is simply out of the question or if you’re looking for a no deposit home loan solution. Read on to learn everything you need to know about home loan deposits.

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Home Loan Offers

Important Information*
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.59% p.a. and a 3.59% p.a. comparison rate.

loans.com.au Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 3.64% p.a.
comp rate of 3.66% p.a.

Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)

Loans over $150k get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.

Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150k+ Owner Occupier, P&I) Discount 1

New borrowers or refinancers from another lender get a discounted rate with this package loan.

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