Let us help you with your deposits

Organise your Finances

100% Home Loans - No or Low Deposit Home Loans

Traditional property purchase oftentimes does not make allowances for individuals without exact requirements to fit the bank’s lending criteria. First Step Homes facilitates financial assistance with deposits for first home buyers or investors who desire home ownership and have the capacity to service a home loan.

We offer property financing solutions including our no deposit home loans package which consists of 95% of the loan coming from banks and 5% from a home deposit loan that we will finance. These 100% home loans are designed with a step by step program where First Step Homes will function as your silent partner through the property procurement process. We also offer a myriad of other unique approaches to home ownership.

Qualifying Criteria for Our Low to No Deposit Home Loans

In order to ensure that there is no disappointment from bank loan rejections due to unforeseen credit impairments, First Step Homes conducts thorough and comprehensive financial checks on each applicant to ensure that they qualify for our unique property financial solutions.

  • A clean credit history proven by your Veda Credit Report (VCR)

  • A net gross household taxable income between $70,000 & $100,000 (depends on area)

  • Full-time employment status of at least one applicant

Take our online financial health check to find out if you qualify for our solutions.

Assessment of Your Credit History

To satisfy our first criteria you will need to complete our privacy declaration and consent form and send the form along with a copy of your identification to admin@firststep.com.au. This will allow our team to access your CCRA Veda Credit Report. This service will incur a cost of $33 per person.

Download our privacy declaration and consent form.

Property Financing Solutions

We offer a range of unique financing paths to suit the individual needs of each of our clients. Learn more about our house and land packages, rent to own homes, buy and hold strategy and so much more! Get in touch with our friendly sales to discuss your finances and find out how we can help you achieve home ownership today.