🏡 Frequently asked Questions

"How is it possible to buy a home with no deposit? Where does the initial money come from?"

"We essentially fund the initial purchase on your behalf, covering the deposit, stamp duty, legal fees, etc. Our proprietary structure allows us to bridge that gap. The crucial part is that you become the sole owner of the property from day one, and we settle our costs only at the final refinancing step."

"If I pay nothing upfront, how do you get paid for your services?"

"We are paid at the very end of the process, during Step 5: Refinance & Completion. Once the property is secured, our service fee is incorporated into the final mainstream mortgage structure. This means you truly have zero out-of-pocket costs until the final mortgage is in place."

"What are the fees for your service, and how are they structured?"

"Our fee is a set amount that is disclosed and agreed upon with you upfront. It is rolled into the final mortgage amount in Step 5. You will know the exact total before we acquire the property, and it only gets paid if the entire process is successful and you secure the mainstream loan."

"Who is your ideal client? Am I eligible for this service?"

"Our service is ideal for individuals who have strong income and good credit history but lack the large savings required for a traditional deposit. The Eligibility Call quickly assesses your serviceability—your ability to afford the final loan—as that is the key focus, not your current savings."

"If I don't have a deposit, how will a mainstream lender approve me?"

"We structure the initial purchase so that, by the time we reach Step 5, the final loan amount relative to the property's value is at an 80% Loan-to-Value Ratio (LVR) or lower. This structure satisfies the lender's requirements for a standard mortgage and is key to avoiding LMI."

"Do I have to use your property broker team?"

"Yes, our in-house broker team is crucial because they specialize in structuring the financing to achieve the sub-80% LVR goal, which is the cornerstone of the 'no deposit' outcome and avoiding LMI. They ensure you are fully 'bank-ready' for the final refinance."

"Who chooses the property, and what if I don't like the properties you find?"

"The property must meet two criteria: your goals and our purchasing structure. We work closely with you to identify the right asset, and you make the final decision. We guide you to properties that will be successful in the final refinance stage."

"When do I actually become the legal owner of the property?"

"You are the owner of the property from the moment of settlement (Step 4). We handle the purchase on your behalf, but the title is registered solely in your name. This gives you full security and control over the asset immediately."

"What if the property value drops before the final refinance (Step 5)?"

"We are highly selective in Step 3, choosing properties with strong market fundamentals to mitigate this risk. Our goal is to ensure a smooth refinance. Our team monitors the market closely, and we work on a timeframe designed to maximize the chance of a successful final mortgage approval."

Next Steps

To find out immediately if you are eligible, please fill out the Pre Qualifying Form, and we will be in touch shortly.