Low Deposit Home Loans
Low Deposit Home Loans
Low Deposit Home Loans
Low Deposit Home Loans
Low deposit home loans help you get into the property market sooner - even if you haven’t saved a 20% deposit. With some lenders accepting just 5% deposits, these loans open the door for first-time buyers and others who qualify.
Low deposit home loans help you get into the property market sooner - even if you haven’t saved a 20% deposit. With some lenders accepting just 5% deposits, these loans open the door for first-time buyers and others who qualify.
Under the new Australian Government 5% deposit scheme, first home buyers can access home loans without Lenders Mortgage Insurance (LMI) up to certain purchase price caps per state.
Under the new Australian Government 5% deposit scheme, first home buyers can access home loans without Lenders Mortgage Insurance (LMI) up to certain purchase price caps per state.
What to Know About a Low Deposit Mortgage
Available with as little as 5% deposit
Available with as little as 5% deposit
May be combined with first home buyer grants or schemes
May be combined with first home buyer grants or schemes
A low deposit mortgage usually requires stable income and a good credit score
A low deposit mortgage usually requires stable income and a good credit score
Why Consider Low Deposit Home Loans?
Buy sooner with less saved upfront
Buy sooner with less saved upfront
Access government support to reduce costs and avoid paying Lenders Mortgage Insurance (LMI)
Access government support to reduce costs and avoid paying Lenders Mortgage Insurance (LMI)
Start building equity and wealth instead of renting
Start building equity and wealth instead of renting
Speak to LendUs about your options for low deposit home loans, eligibility for grants, and how to secure fast approval with the right lender.
Why Australians like you are using LendUs?
Why Australians like you are using LendUs?
Competitive rates from 30+ leading lenders
Earn upfront and monthly ongoing cash back
Apply for your home loan in minutes
Save time with the streamlined digital journey
Dedicated LendUs Advisor available on demand
Free, regular home loan "Health Check"
At LendUs, the right home deserves the right loan.
At LendUs, the right home deserves the right loan.
At LendUs, the right home deserves the right loan.
At LendUs, the right home deserves the right loan.
LendUs Pty Ltd (ACN 663 090 686) is an Authorised Corporate Credit Representative (Credit Representative 566269) of Australian Credit Licence 486112. All loan products are indicative only and subject to lenders’ standard credit and approval criteria.
LendUs cash back terms and conditions (‘Offer’):
This Offer is administered at the sole discretion of LendUs and may be varied, suspended, withdrawn or ceased by LendUs at any time without notice. This applies to both new loans and existing settled loans, including loans that are already receiving cash back payments, from 30 June 2026.
Eligibility for this Offer is determined by LendUs in its sole discretion and is generally limited to settled loans for where LendUs has received commission from the funding lender. Satisfaction of any eligibility criteria does not create any entitlement to receive cash back, and LendUs is under no obligation to make any upfront or ongoing cash back payment.
Any Offer displayed on this website, the LendUs platform and any marketing or promotional materials as an upfront cash back rate of 0.1% and trail cash back rate of 0.05% per annum (calculated and paid monthly) are indicative only. Any such displayed rates do not create a representation or guarantee that any cash back will be paid for any particular period or at all. Where cash back is paid, LendUs may determine the amount, timing, calculation methodology and payment process in its sole discretion.
Any Offer communicated to a customer expires 4 weeks after the date of the initial Offer email sent by LendUs. If the customer does not provide their bank details through the LendUs platform link within that 4-week period, the Offer automatically expires along with the platform link. Once expired, the Offer may not be claimed unless LendUs determines, in its sole discretion, to make a new or replacement offer.
To the maximum extent permitted by law, LendUs excludes all liability for any loss or claim arising from the variation, suspension, withdrawal or cessation of this Offer or any cash back payment.
The information provided on this website or web application (the "Site") is intended for general informational purposes only. By accessing or using this Site, you agree to the terms of this Disclaimer.
No financial or legal advice: The content on this Site is not intended to constitute financial, legal, or professional advice. It is provided for informational purposes only and should not be construed as professional advice or as a substitute for obtaining financial or legal advice from qualified professionals.
Accuracy of information: While we strive to ensure that the information on this Site is accurate and up-to-date, we make no representations or warranties regarding the accuracy, completeness, or reliability of the content. We do not guarantee that the information provided is current or error-free.
Limitation of liability: To the fullest extent permitted by law, LendUs and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or related to your use of this Site or any content contained herein. This includes, but is not limited to, damages for loss of profits, goodwill, or data, even if we have been advised of the possibility of such damages. We reserve the right to modify or discontinue the Site, or any part of it, at any time without notice. We are not liable for any modifications, suspensions, or discontinuations of the Site or its content.
External links: Our Site may contain links to third-party websites that are not under our control. We are not responsible for the content, privacy policies, or practices of any third-party sites nor does this constitute an endorsement or recommendation.
LendUs Pty Ltd (ACN 663 090 686) is an Authorised Corporate Credit Representative (Credit Representative 566269) of Australian Credit Licence 486112. All loan products are indicative only and subject to lenders’ standard credit and approval criteria.
LendUs cash back terms and conditions (‘Offer’):
This Offer is administered at the sole discretion of LendUs and may be varied, suspended, withdrawn or ceased by LendUs at any time without notice. This applies to both new loans and existing settled loans, including loans that are already receiving cash back payments, from 30 June 2026.
Eligibility for this Offer is determined by LendUs in its sole discretion and is generally limited to settled loans for where LendUs has received commission from the funding lender. Satisfaction of any eligibility criteria does not create any entitlement to receive cash back, and LendUs is under no obligation to make any upfront or ongoing cash back payment.
Any Offer displayed on this website, the LendUs platform and any marketing or promotional materials as an upfront cash back rate of 0.1% and trail cash back rate of 0.05% per annum (calculated and paid monthly) are indicative only. Any such displayed rates do not create a representation or guarantee that any cash back will be paid for any particular period or at all. Where cash back is paid, LendUs may determine the amount, timing, calculation methodology and payment process in its sole discretion.
Any Offer communicated to a customer expires 4 weeks after the date of the initial Offer email sent by LendUs. If the customer does not provide their bank details through the LendUs platform link within that 4-week period, the Offer automatically expires along with the platform link. Once expired, the Offer may not be claimed unless LendUs determines, in its sole discretion, to make a new or replacement offer.
To the maximum extent permitted by law, LendUs excludes all liability for any loss or claim arising from the variation, suspension, withdrawal or cessation of this Offer or any cash back payment.
The information provided on this website or web application (the "Site") is intended for general informational purposes only. By accessing or using this Site, you agree to the terms of this Disclaimer.
No financial or legal advice: The content on this Site is not intended to constitute financial, legal, or professional advice. It is provided for informational purposes only and should not be construed as professional advice or as a substitute for obtaining financial or legal advice from qualified professionals.
Accuracy of information: While we strive to ensure that the information on this Site is accurate and up-to-date, we make no representations or warranties regarding the accuracy, completeness, or reliability of the content. We do not guarantee that the information provided is current or error-free.
Limitation of liability: To the fullest extent permitted by law, LendUs and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or related to your use of this Site or any content contained herein. This includes, but is not limited to, damages for loss of profits, goodwill, or data, even if we have been advised of the possibility of such damages. We reserve the right to modify or discontinue the Site, or any part of it, at any time without notice. We are not liable for any modifications, suspensions, or discontinuations of the Site or its content.
External links: Our Site may contain links to third-party websites that are not under our control. We are not responsible for the content, privacy policies, or practices of any third-party sites nor does this constitute an endorsement or recommendation.
LendUs Pty Ltd (ACN 663 090 686) is an Authorised Corporate Credit Representative (Credit Representative 566269) of Australian Credit Licence 486112. All loan products are indicative only and subject to lenders’ standard credit and approval criteria.
LendUs cash back terms and conditions (‘Offer’):
This Offer is administered at the sole discretion of LendUs and may be varied, suspended, withdrawn or ceased by LendUs at any time without notice. This applies to both new loans and existing settled loans, including loans that are already receiving cash back payments, from 30 June 2026.
Eligibility for this Offer is determined by LendUs in its sole discretion and is generally limited to settled loans for where LendUs has received commission from the funding lender. Satisfaction of any eligibility criteria does not create any entitlement to receive cash back, and LendUs is under no obligation to make any upfront or ongoing cash back payment.
Any Offer displayed on this website, the LendUs platform and any marketing or promotional materials as an upfront cash back rate of 0.1% and trail cash back rate of 0.05% per annum (calculated and paid monthly) are indicative only. Any such displayed rates do not create a representation or guarantee that any cash back will be paid for any particular period or at all. Where cash back is paid, LendUs may determine the amount, timing, calculation methodology and payment process in its sole discretion.
Any Offer communicated to a customer expires 4 weeks after the date of the initial Offer email sent by LendUs. If the customer does not provide their bank details through the LendUs platform link within that 4-week period, the Offer automatically expires along with the platform link. Once expired, the Offer may not be claimed unless LendUs determines, in its sole discretion, to make a new or replacement offer.
To the maximum extent permitted by law, LendUs excludes all liability for any loss or claim arising from the variation, suspension, withdrawal or cessation of this Offer or any cash back payment.
The information provided on this website or web application (the "Site") is intended for general informational purposes only. By accessing or using this Site, you agree to the terms of this Disclaimer.
No financial or legal advice: The content on this Site is not intended to constitute financial, legal, or professional advice. It is provided for informational purposes only and should not be construed as professional advice or as a substitute for obtaining financial or legal advice from qualified professionals.
Accuracy of information: While we strive to ensure that the information on this Site is accurate and up-to-date, we make no representations or warranties regarding the accuracy, completeness, or reliability of the content. We do not guarantee that the information provided is current or error-free.
Limitation of liability: To the fullest extent permitted by law, LendUs and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or related to your use of this Site or any content contained herein. This includes, but is not limited to, damages for loss of profits, goodwill, or data, even if we have been advised of the possibility of such damages. We reserve the right to modify or discontinue the Site, or any part of it, at any time without notice. We are not liable for any modifications, suspensions, or discontinuations of the Site or its content.
External links: Our Site may contain links to third-party websites that are not under our control. We are not responsible for the content, privacy policies, or practices of any third-party sites nor does this constitute an endorsement or recommendation.
LendUs Pty Ltd (ACN 663 090 686) is an Authorised Corporate Credit Representative (Credit Representative 566269) of Australian Credit Licence 486112. All loan products are indicative only and subject to lenders’ standard credit and approval criteria.
LendUs cash back terms and conditions (‘Offer’):
This Offer is administered at the sole discretion of LendUs and may be varied, suspended, withdrawn or ceased by LendUs at any time without notice. This applies to both new loans and existing settled loans, including loans that are already receiving cash back payments, from 30 June 2026.
Eligibility for this Offer is determined by LendUs in its sole discretion and is generally limited to settled loans for where LendUs has received commission from the funding lender. Satisfaction of any eligibility criteria does not create any entitlement to receive cash back, and LendUs is under no obligation to make any upfront or ongoing cash back payment.
Any Offer displayed on this website, the LendUs platform and any marketing or promotional materials as an upfront cash back rate of 0.1% and trail cash back rate of 0.05% per annum (calculated and paid monthly) are indicative only. Any such displayed rates do not create a representation or guarantee that any cash back will be paid for any particular period or at all. Where cash back is paid, LendUs may determine the amount, timing, calculation methodology and payment process in its sole discretion.
Any Offer communicated to a customer expires 4 weeks after the date of the initial Offer email sent by LendUs. If the customer does not provide their bank details through the LendUs platform link within that 4-week period, the Offer automatically expires along with the platform link. Once expired, the Offer may not be claimed unless LendUs determines, in its sole discretion, to make a new or replacement offer.
To the maximum extent permitted by law, LendUs excludes all liability for any loss or claim arising from the variation, suspension, withdrawal or cessation of this Offer or any cash back payment.
The information provided on this website or web application (the "Site") is intended for general informational purposes only. By accessing or using this Site, you agree to the terms of this Disclaimer.
No financial or legal advice: The content on this Site is not intended to constitute financial, legal, or professional advice. It is provided for informational purposes only and should not be construed as professional advice or as a substitute for obtaining financial or legal advice from qualified professionals.
Accuracy of information: While we strive to ensure that the information on this Site is accurate and up-to-date, we make no representations or warranties regarding the accuracy, completeness, or reliability of the content. We do not guarantee that the information provided is current or error-free.
Limitation of liability: To the fullest extent permitted by law, LendUs and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or related to your use of this Site or any content contained herein. This includes, but is not limited to, damages for loss of profits, goodwill, or data, even if we have been advised of the possibility of such damages. We reserve the right to modify or discontinue the Site, or any part of it, at any time without notice. We are not liable for any modifications, suspensions, or discontinuations of the Site or its content.
External links: Our Site may contain links to third-party websites that are not under our control. We are not responsible for the content, privacy policies, or practices of any third-party sites nor does this constitute an endorsement or recommendation.
LendUs Pty Ltd (ACN 663 090 686) is an Authorised Corporate Credit Representative (Credit Representative 566269) of Australian Credit Licence 486112. All loan products are indicative only and subject to lenders’ standard credit and approval criteria.
LendUs cash back terms and conditions (‘Offer’):
This Offer is administered at the sole discretion of LendUs and may be varied, suspended, withdrawn or ceased by LendUs at any time without notice. This applies to both new loans and existing settled loans, including loans that are already receiving cash back payments, from 30 June 2026.
Eligibility for this Offer is determined by LendUs in its sole discretion and is generally limited to settled loans for where LendUs has received commission from the funding lender. Satisfaction of any eligibility criteria does not create any entitlement to receive cash back, and LendUs is under no obligation to make any upfront or ongoing cash back payment.
Any Offer displayed on this website, the LendUs platform and any marketing or promotional materials as an upfront cash back rate of 0.1% and trail cash back rate of 0.05% per annum (calculated and paid monthly) are indicative only. Any such displayed rates do not create a representation or guarantee that any cash back will be paid for any particular period or at all. Where cash back is paid, LendUs may determine the amount, timing, calculation methodology and payment process in its sole discretion.
Any Offer communicated to a customer expires 4 weeks after the date of the initial Offer email sent by LendUs. If the customer does not provide their bank details through the LendUs platform link within that 4-week period, the Offer automatically expires along with the platform link. Once expired, the Offer may not be claimed unless LendUs determines, in its sole discretion, to make a new or replacement offer.
To the maximum extent permitted by law, LendUs excludes all liability for any loss or claim arising from the variation, suspension, withdrawal or cessation of this Offer or any cash back payment.
The information provided on this website or web application (the "Site") is intended for general informational purposes only. By accessing or using this Site, you agree to the terms of this Disclaimer.
No financial or legal advice: The content on this Site is not intended to constitute financial, legal, or professional advice. It is provided for informational purposes only and should not be construed as professional advice or as a substitute for obtaining financial or legal advice from qualified professionals.
Accuracy of information: While we strive to ensure that the information on this Site is accurate and up-to-date, we make no representations or warranties regarding the accuracy, completeness, or reliability of the content. We do not guarantee that the information provided is current or error-free.
Limitation of liability: To the fullest extent permitted by law, LendUs and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or related to your use of this Site or any content contained herein. This includes, but is not limited to, damages for loss of profits, goodwill, or data, even if we have been advised of the possibility of such damages. We reserve the right to modify or discontinue the Site, or any part of it, at any time without notice. We are not liable for any modifications, suspensions, or discontinuations of the Site or its content.
External links: Our Site may contain links to third-party websites that are not under our control. We are not responsible for the content, privacy policies, or practices of any third-party sites nor does this constitute an endorsement or recommendation.