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Become a homeowner sooner and save thousands on your loan.

Better low deposit loans

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3 min | No credit impact

11/10 customer service

I was nervous about selling my house quickly, especially after hearing horror stories about last-minute price drops. We Offers was different — they gave me a fair offer, explained everything clearly, and stuck to their word. The whole process was smooth and stress-free.

Lora M.

I was nervous about selling my house quickly, especially after hearing horror stories about last-minute price drops. We Offers was different — they gave me a fair offer, explained everything clearly, and stuck to their word. The whole process was smooth and stress-free.

David R.

I was nervous about selling my house quickly, especially after hearing horror stories about last-minute price drops. We Offers was different — they gave me a fair offer, explained everything clearly, and stuck to their word. The whole process was smooth and stress-free.

Jessica M.

I was nervous about selling my house quickly, especially after hearing horror stories about last-minute price drops. We Offers was different — they gave me a fair offer, explained everything clearly, and stuck to their word. The whole process was smooth and stress-free.

Tanya S.

Wave goodbye to renting forever

A Deposit Boost loan is a simple, straightforward loan for your deposit, paired with a standard 80% LVR home loan.

Savings guarantee

With OwnHome, you're guaranteed cheaper upfront costs than traditional low deposit LMI loans - starting from as low as 2.2% upfront. And if you find a lower LMI offer, we'll beat it by $1,000.*

Borrow the whole home loan

Become a homeowner sooner, without saving for longer. OwnHome powers flexible home loans up to 100% LVR - so you can start with as little as 0% deposit (yes, really!). No lock-ins or minimum terms.

Expert homebuying help

Make a better investment—our complimentary buyer’s agent service helps you buy the right home at the right price. Normally priced at $13,200^ - free with a Deposit Boost loan.

* Applies to a comparable 85-100% LVR variable interest owner-occupier home loan of the same size with a comparable interest rate to the product being compared. Excludes options where LMI is being waived or paid by a lender. ^ Includes GST.

Greg & Annaliese

Beau & Lance

Isabella & Andrew

Sarah & Jarrod

Kelly & Ryan

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3 min | No credit impact

Low deposit loans

Reach your homeownership goals sooner. With a 15-year loan term, split loan structure, no early repayment fees, and no exit fees, the Deposit Boost loan is designed for you to love us and leave us. Build equity in your home more quickly and refinance us out when you’re ready.

Investment loan option available for first home buyers only.

Deposit Boost

Owner Occupied

81-100% LVR

For borrowers who can afford the mortgage repayments, but don’t have the Bank of Mum & Dad.
  • Low Deposit Premium (LDP) of up to 2.2% upfront
  • Discounted LDP available up to 95% LVR
  • No lock-ins - LDP is fully refundable until exchange
  • No early repayment fees
  • No exit fees
  • 15 year loan term
  • Complimentary Buyer’s Agent
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Deposit Boost

Investor

81-98% LVR

For borrowers who can afford the mortgage repayments, but don’t have the Bank of Mum & Dad.
  • Low Deposit Premium (LDP) of up to 2.2% upfront
  • Discounted LDP available up to 95% LVR
  • No lock-ins - LDP is fully refundable until exchange
  • No early repayment fees
  • No exit fees
  • 15 year loan term
  • Complimentary Buyer’s Agent
Get started

As seen in

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Buyer’s agent service

Your secret weapon to save time, money and stress. Here’s some highlights of our recent performance.
  • 10.39% average annual growth - double the nationwide average
  • $89,393 average annual capital gains per property
  • 32 days average time to purchase - 6x faster than the average first home buyer
$13,200 full price
$0 with a Deposit Boost Loan
* All numbers are averages across our portfolio. Past performance is not necessarily indicative of future performance. $13,200 is the cost of the standalone service and includes GST.
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3 min | No credit impact

Frequently Asked Questions

Why do I need a home inspection before buying?

A professional home inspection helps you understand the true condition of the property. It can uncover hidden issues, safety concerns, or expensive repairs — giving you the power to negotiate or reconsider your purchase.

Most inspections take 2 to 3 hours, depending on the size, age, and condition of the home. We take our time to ensure every important system and area is thoroughly checked.
You’ll receive a detailed digital report within 24 hours of the inspection. It includes photos, clear summaries, and professional recommendations.
Absolutely! In fact, we encourage it. You’ll get to see the process firsthand and ask any questions along the way. It’s a great opportunity to learn more about your potential new home.

Our standard buyer inspections include:

  • Roofing & exterior

  • Foundation & structure

  • Plumbing & electrical systems

  • HVAC & insulation

  • Interior, appliances, windows, and more
    We also offer optional add-ons like thermal imaging and mold/moisture detection.

Many homes have some issues — that’s normal. Your report will help you understand which problems are minor, which may need repair, and which are negotiation-worthy with the seller. We’re here to guide you through your next steps.
Pricing depends on the size and type of home. Contact us or request a free quote online — we’ll give you a clear, upfront cost with no hidden fees.
Yes. All of our inspectors are fully certified, licensed, and insured, so you can feel confident knowing your inspection is being handled by qualified professionals.

Have questions? Ready to get started?

We’re here to help you sell your home quickly, fairly, and with no stress.