*You just need a 5% deposit to buy your first home.
We're financing hundreds of Aussies buy their first home with as little as 2–5% deposit. You could be next.
*Eligibility criteria and property price caps apply under the Australian Government 5% Deposit Scheme. Available through participating lenders only. Approval is not guaranteed. General information only, not credit advice.Buy Your First Home
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5% Deposit Scheme
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See If You Are Eligible
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Buy Your First Home ✳︎ 5% Deposit Scheme ✳︎ See If You Are Eligible ✳︎
Think you need 20% saved? You probably don’t… but there’s a catch.
With the Australian Government 5% Deposit Scheme and other first home buyer programs, you may be able to get into your first place with as little as 5% deposit, sometimes even 2%, and avoid paying Lenders Mortgage Insurance.
The real blocker for most first home buyers isn’t income, it’s the deposit they think they need and the confusing rules around the government schemes.
But the rules are different in every state:
Property price caps by state and postcode
Income limits for singles and couples
Rules on new vs existing homes
Limited spots that reset each financial year
Some of HoLo’s
First Home Buyer Hero’s
Every State Is Different đź‘€
Before you get excited about buying with a 5% deposit, you MUST check the property price cap for your exact location.
If your purchase price exceeds the cap you do not qualify under the scheme.
THERE IS NO MAXIMUM INCOME LIMIT TO USE THE 5% SCHEME.
For the 5% scheme, currently:
Singles: up to $125,000 taxable income
Couples: up to $200,000 combined
Your bank is one option. We've got 30+ more.
With plenty of lenders to pick from, HoLo will always find you the right home loan.
We're small enough to treat you like family and sharp enough to actually save you money.
HoLo exists for 5 simple reasons:
👉 We're a broking team who got tired of watching good people overpay the big banks out of sheer loyalty and admin-dread.
👉 So we built something better — a smarter, simpler way to bring your home and your loan together (that's the "HoLo," in case you were wondering).
👉 Whether you're buying, building, investing, renovating, or just sick of paying more than the new customer down the road, our job is to find you the right loan at a great rate — and make the whole thing feel easy.
👉 We do the haggling, the paperwork, and the bank-wrangling. You get the better deal.
👉 No jargon, no pressure, no kissing the banks' behinds. Just the right loan, sorted.
The Worst Thing You Can
Do Is Assume You Don't Qualify
Apply For Free Or Speak To Us
Answer a few simple questions online in a couple of minutes, or book a quick call with a HoLo broker.
See which schemes you may qualify
Behind the scenes we run your details against the latest first home buyer schemes, grants and stamp duty concessions in your state.
Let's get you into a property! đźŹ
You focus on finding the right place; we focus on getting the finance approved so you can go from “thinking about it” to holding the keys.
