No Deposit Home Loans

A No Deposit Home Loan is designed to meet the needs of anyone who does not have a deposit but does have a strong credit rating, stable employment and residential history.

The No Deposit Home Loan is designed to meet the market need for residential loans for customers with little equity but good cash flow, providing a loan of up to 100% of a property's purchase price or valuation (whichever is the lesser).

The Flexible Deposit Option with the No Deposit Home Loan provides for standard interest rates, subject to Lender's Mortgage Insurance coverage and underwriting conditions.

The Loan Extension Fee Option is for individuals who do not meet the Mortgage Insurers conditions but whom the Bank determines are still an acceptable lending risk. Subject to payment of the Loan Extension Fee, these loans still deliver a competitive loan product helping them achieve home ownership sooner.

Key Benefits are:

  • FHOG not required as deposit
  • Redraw facility (on variable rate loans)
  • Interest Offset facility
  • Choice of fixed or variable rates
  • Available for both owners occupiers and investors
  • Interest In Advance repayment option for investors
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Low Doc Home Loans
Home Loans for the Self-employed.
Full Doc Loans
Loans based on income and employment.
Fixed Loans
Locking into a fixed payment makes budgeting easier.
No Deposit Home Loans
100% home loans with no deposit.
Refinance Mortgage
Get a better deal on your home loan.
Variable Loans
Offers the flexibility of making extra repayments.
Home Equity Loan
A line of credit that works like an ordinary credit card.
Line of Credit
Finance your home, business and lifestyle.