First Home Loan.

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Buy your first home with a low deposit, from 5%

 

Buying your first home may be possible with a smaller deposit than you expect. Finance Corp. helps eligible first home buyers explore low deposit home loan options, including lending that can start from a 5% deposit, depending on the lender and your circumstances.

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We take the pressure off by assessing your situation, explaining what is realistic, and matching you with lenders whose criteria fit your income, deposit, and goals.

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What lenders usually look at.

Eligibility varies by lender, but low deposit lending typically considers:

• Deposit size and genuine savings

• Income, affordability, and spending patterns

• Employment stability and type of income

• Credit history and existing debt

• Residency and identification requirements

• Owner occupier intention: you plan to live in the property, not buy as an investment

• Property type and location: some lenders have restrictions on certain properties

• Low deposit costs: you may need to factor in additional fees or insurance depending on the lender

 

Ready to start your journey?

Call us on 022 125 9110 for personalised guidance on first home loans, including what deposit you may need, how much you may be able to borrow, and the clearest next steps to move forward, or click here for more information on Home Loans.

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This article is accurate as of 23 February 2026. Please note that financial advice changes regularly, so this information in this article, should be used as a guide only. Please call us for up-to-date information.

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