Homeownership
without the deposit.

Get onto the property ladder for just 2% upfront (+GST and government fees). We'll cover your 20% deposit—you choose the best home loan and say goodbye to renting.
20K+ Aussies applied
Our Customers
Ken & Dinoboy
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Our Customers
Sarah & Jarrod
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Our Customers
Beau & Lance
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Our Customers
Andrew & Simone
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Wave goodbye to renting forever

We’ve partnered with some of Australia’s largest lenders to help solve the biggest problem for aspiring homeowners: the deposit gap.
Just 2% upfront (+GST)
Spend less upfront to buy your home. You only need to pay 2% of the property value (+GST and government fees) upfront to get a Deposit Boost Loan and a standard-rate home loan.
We accept any home loan
OwnHome will accept a home loan with any bank or lender that you qualify with, whether that's variable, fixed, offset or redraw.
Expert buyers help
Navigate the home buying journey with ease. You’ll get personalised advice and a white-glove service from your very own buyers agent.

Spend less upfront to become a homeowner

See how much you can save upfront with OwnHome’s Deposit Boost Loan.
Calculate your upfront costs
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Purchase price cannot be empty.

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Home loan type
Deposit required
Initial fee
Buyer's agent
Buyer's agent
To help customers find the right property at the right price, all Deposit Boost Loan customers, no matter their budget or deposit contribution, are assigned a personal Buyer’s Agent.
Loan size limit
Stamp duty
Transfer & mortgage registration fees
Conveyancer or solicitor
Building & pest or strata report
OwnHome Deposit Boost
You'll need upfront
$64,066
Get started
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Home loan type
Up to
100% LVR home loan
Deposit required
$0
Initial payment
Starter fee
The upfront cost to get started with OwnHome. Includes GST.
$22,000
*
Buyer's agent
Buyer's agent
To help customers find the right property at the right price, all Deposit Boost Loan customers, no matter their budget or deposit contribution, are assigned a personal Buyer’s Agent.
Included
Loan size limit
Up to
$3 million
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
Not included
$2,000
Building & pest or strata report
Included
Four reports cost
$0
20% deposit home loan
You'll need upfront
$243,666
Home loan type
80% LVR home loan
Deposit required
$200,000
Initial payment
$0
Buyer's agent
Not included
Loan size limit
N/A
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
Not included
$2,000
Building & pest or strata report
Not included
Four reports cost
$1,600
10% deposit home loan
You'll need upfront
$168,826
Home loan type
90% LVR home loan
Deposit required
$100,000
Initial payment
$25,160
Buyer's agent
Not included
Loan size limit
~$1 million
Depends on lender
LMI loan amount caps may vary. Helia, which provides the majority of LMI in Australia, caps at $1 mil.
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
Not included
$2,000
Building & pest or strata report
Not included
Four reports cost
$1,600
5% deposit home loan
You'll need upfront
$139,696
Home loan type
95% LVR home loan
Deposit required
$50,000
Initial payment
$46,030
Buyer's agent
Not included
Loan size limit
~$1 million
Depends on lender
Stamp duty
$39,735
Transfer & mortgage registration fees
$331
Conveyancer or solicitor
Not included
$2,000
Building & pest or strata report
Not included
Four reports cost
$1,600
Disclaimer
*Starter fee shown includes GST. The above does not include rate information. LMI rates are a rough guide based on Home Loan Experts' rate table. Actual LMI rates will differ from provider to provider. While conveyancing and building & pest/strata reports are not mandatory, they are standard parts of the home purchase process. The assumption is that multiple reports may be required. Total upfront cost includes assumed costs for conveyancing and building & pest/strata reports.
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Rated 4.9 stars on Google.
We’re on a mission to delight aspiring homeowners all over Australia.
Five stars
Incredible experience
My husband and I needed help in getting a deposit together, but both have good incomes. OwnHome are disrupting the need to eat two minute noodles for 5-10 years. The experience was incredible, start to finish.
Fiorella
Owner since 2021
Five stars
Just made sense for us
OwnHome just made sense for us. We make good incomes, but we don’t have access to any money from family. My parents don’t have property in Australia. They don’t have equity to pass down.
Sarah & Jarrod
Owners since 2023
Customer photo
Five stars
Thank you to OwnHome
I just want to say thank you to the OwnHome team. Huge, huge, huge thanks from Andrea and I for enabling us to purchase our first home.
Abhinay
Owner since 2022
Five stars
Would recommend to anyone!
The engagement and support from the OwnHome team are next to none. I would recommend OwnHome to anyone in my position.
Marcus
Owner since 2021
Five stars
It's fantastic
I know when I talk to people it seems too good to be true but they actually do what they're telling you they do. It's true. We're in a house years ahead of when we would have been and that's phenomenal.
Courtney
Owner since 2022
Five stars
Incredible experience
My husband and I needed help in getting a deposit together, but both have good incomes. OwnHome are disrupting the need to eat two minute noodles for 5-10 years. The experience was incredible, start to finish.
Liispet
Owner since 2022
Five stars
Just made sense for us
OwnHome just made sense for us. We make good incomes, but we don’t have access to any money from family. My parents don’t have property in Australia. They don’t have equity to pass down.
Sarah & Jarrod
Owners since 2023
Customer photo
Five stars
Thank you to OwnHome
I just want to say thank you to the OwnHome team. Huge, huge, huge thanks from Andrea and I for enabling us to purchase our first home.
Abhinay
Owner since 2022
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We work with expert mortgage brokers and lenders.
“It is unsurprising that OwnHome has a waitlist of potential customers”
“OwnHome could prove to be a significant and alternative path to home-ownership”
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“Ultimately it's an alternative to renting and saving.”
“OwnHome will provide an alternative path to home ownership”
A guided path to homeownership
01
Boost your deposit
Apply online, get approved and receive an instant deposit loan from OwnHome, for an upfront Starter Fee of just 2% (+GST) of the property price.
02
We accept any home loan
OwnHome will accept a home loan with any bank or lender that you qualify with, whether that's variable, fixed, offset or redraw.
03
Buy with confidence
Experience a supercharged and super-streamlined home buying experience with personal help from an OwnHome Buyer's Agent.
04
Do all the homeowner things
Update the kitchen, get a pet, paint every room! All the while, pay off your home loan and Deposit Boost Loan with regular principal and interest payments.
05
Love us and leave us
Wave us goodbye whenever you’re ready to with unlimited fee-free early repayments. It’s up to you!
Start your pathway now.

Your questions, answered.

What criteria does OwnHome use to assess eligibility?

Just like a bank or any other home loan provider, OwnHome looks at:

  • The area you are buying in
  • Your total savings and if they are sufficient to cover your upfront costs
  • Your income and employment status
  • Other standard personal and financial details
How much does a Deposit Boost Loan cost?

Your repayments depend on a couple of things, including the price you buy your home, the contribution you make and the length that you’re with OwnHome, but the concepts are the same.

Some aspects of the loan include:

  • To unlock your 20% deposit and a dedicated Buyer's Agent, it’s a straightforward 2% payment (+GST) on the value of your home.
  • While no deposit contribution is required, customers who contribute 5% or more will receive discounts on their repayments and have the ability to capitalise the Starter Fee.
  • Once you’ve got your home loan, you’ll make the repayments as normal to that lender. Your loan is your choice, so whether you want an offset, a fixed, variable or split rate, it’s up to you.
  • You’ll also make principal and interest payments on your OwnHome deposit as part of your loan term.

To get a more personalised and comprehensive overview of the costs, check your eligibility. If you're eligible, a team member will be in touch to go over all of the payment information.

Which lenders does OwnHome work with?

OwnHome works with a growing panel of lenders. You will still need to get approval for your 80% home loan.

Is the Buyer's Agent service included?

It is! As part of your upfront payment, you get the full support of our licensed and experienced Buyer’s Agent team.

This includes:

  • Property hunting and shortlisting homes
  • Building and pest inspection reports and strata reports
  • Our support and expert guidance every step of the way
  • Full reign of a custom OwnHome tool to make the home-finding journey a breeze.

Here's what can't be included:

  • Stamp duty and other government fees and taxes
  • Conveyancing
  • Third-party costs (things like title insurance)

Learn more about the OwnHome Buyer's Agent service.

Who’s behind OwnHome?

We’re an Aussie company founded in sunny Sydney that works across Australia. We’re funded by the might of CBA’s X15 Ventures, Square Peg and many others.

We’re led by a trusted leadership team with a track record of delivering successful and innovative customer solutions.

We partner with the most trusted banks, non-bank lenders and mortgage specialists in Australia. But don’t just take our word for it. Our customers have given us the highest rating of 4.9 stars on Google Reviews.

Learn more about us.

Is OwnHome a licensed lender?

Yes, OwnHome Services Pty Ltd is a corporate authorised representative (#547794) of Allied Financial Consulting Pty Ltd, Australian Credit Licence number 393845.

Do I need to pay Lender's mortgage insurance (LMI)?

No! You don’t need to pay Lender's mortgage insurance (LMI) with OwnHome. We’re officially LMI-free!

What's LMI? As a quick answer, Lender's mortgage insurance (LMI) is an insurance that protects the lender in case you default on your mortgage. It's paid by the borrower and is usually required when the size of your deposit is less than 20% of the purchase price. Depending on the value of your home, LMI can add tens of thousands in upfront costs to your home purchase. With a Deposit Boost Loan from OwnHome, you don’t need to worry about paying LMI as you’re topped up to a 20% deposit.

Start your pathway to homeownership
Make yourself at home! Log in and track your process. Or create an account in minutes and join thousands of Aussies already using OwnHome.