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My first home

Deposit options

Your deposit is one of the most important considerations. You may have been saving for years, or you may have no money put aside – at Resolve Finance, we understand that everyone is different. And that is why we have access to a range of products that will suit your personal situation. From savings plans, though to low deposit and parent assist home loans, we’ve got you covered.


Low Deposit Home Loans

Most lenders require a minimum of 5% genuine savings as deposit to purchase your first home. This means you must have the 5% deposit amount in your bank account for a period of time (usually three months) to prove to your lender that you’re able to save. However, at Resolve Finance, we understand that you might not always be able to demonstrate genuine savings, or have the full 5% saved. That’s why we work with you and our extensive panel of lenders to find a home loan that’s right for you. We even have access to a number of low deposit home loan products that may allow you to get into your new home without genuine savings, or with less than the full 5% deposit.

*Keystart Home Loans are available in Western Australia only.


My Home Plan

My Home Plan is a tailored savings program designed to help you get into your own home. It’s built around your real-world income and expenses, and usually involves only a few tweaks to your spending habits. With the guidance of your own personal Finance Coach, My Home Plan is about putting you back in control of your finances and your future, so you can get where you want to go — even if you’ve been knocked back for finance in the past. (Find out more)


Guarantor Home Loan

Many first home buyers get their parents to help them secure a home loan, but it doesn’t have to be a cash gift. We have access to a number of low deposit home loan products that allow you to use the equity in your parents’ home as security against your new home, called a Guarantor Loan. This will significantly reduce the deposit you need – possibly to even no deposit – as well as saving on the amount of mortgage insurance you’ll have to pay.


Parent Assist

Parent Assist is an Australian first, which allows your parents to help you come up with a deposit without putting their own home at risk. Mum and Dad lend you the deposit in a formal arrangement at half the interest rate of your mortgage. So you save on mortgage insurance while still qualifying for the First Home Owner Grant and stamp duty concessions.



At Resolve Finance, our aim is to make home ownership a possibility. So, whether you only have 5% of your home loan deposit or are struggling with genuine savings, talk to our team at Resolve Finance in Perth and Melbourne today. We’ll work with you so that you can get started on your home ownership journey.