Zero Deposit
Home Loans
Life in Australia just got a little easier. You’re welcome.
Buying a home and starting a family is an exciting part of life.
Even without a deposit, you can now make it happen.
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WHY CHOOSE US
‘’Zero Deposit Home Loans Will Guide You Through The Home Loan Process With Ease’’
At Zero Deposit Home Loans, we understand that securing a home loan is not just a financial transaction but a significant life decision. As the world becomes more expensive and competitive, and people’s lives evolve dynamically, we recognize the need for home loan products to adapt accordingly.
That’s why we’re here to provide tailored solutions to help you achieve your homeownership goals.
One of the key advantages of choosing Zero Deposit Home Loans is our unique approach to home financing. You can say goodbye to hefty deposits, as we require only a 2% upfront payment of the house price, plus government fees. This means that if you’re eyeing a $600,000 home, you’ll only need $12,000 upfront.
We want to make homeownership more accessible than ever before.
But that’s not all.
When you choose Zero Deposit Home Loans, you’ll experience efficient turnaround times and prompt responses to all your queries. We believe in breaking free from the cycle of inertia and empowering you with the knowledge and support to make informed decisions about your financial future.
With over 20 years of experience in the industry, our head Mortgage Broker, Bob, has seen it all. From helping clients recover from the 2022 Lismore Floods to advocating for consumer rights in the banking industry. Bob brings a wealth of knowledge to the table. He understands the intricacies of the mortgage market and knows how to negotiate with banks to secure the best possible deal.
What will you bring to the table?
Throughout the entire process, you’ll have a dedicated support team, including a mortgage broker and a buyer’s agent.
With Zero Deposit Home Loans we’ll ensure that your journey to homeownership is as smooth and stress-free as possible.
Years in business
Loans approved
Active clients
Clients guided
Services
Product Highlights
Frequently asked questions
My friend has XYZ rate can you match it?
I often encounter this question, and I’ve noticed that while friends and family mean well, they might not always have the most up-to-date information. When it comes to such a crucial decision, it’s best not to rely solely on casual conversations. Interest rates can vary depending on the percentage of the property value, and with access to numerous lenders, including highly competitive ones, we can offer a range of options. It’s worth noting that friends may not always be aware of their exact interest rate, especially considering the historically low fixed rates available presently.
Should I Check My Credit Before Applying?
Yes, we need to be sure there are not any surprises. You can get your report free from Equifax.
How do I know if I qualify as self-employed?
To be considered self-employed, you must have an ABN or be a shareholder of a company with an ABN. Your income should not have PAYG tax deducted, except for wages paid to you from your business. When you chat with us we’ll walk you through what a loan application looks like for a self-employed individual.
What Is included in my mortgage payment?
With Zero Deposit Home Loans you’ll need to pay a Principal and Interest (P&I) loan, your monthly payment will cover both the interest and a portion of the loan principal. Additionally, any applicable monthly fees will be included in your payment. Bob will ensure you are well-informed and understand exactly what you’ll be paying each month.
What does ‘any applicable monthly fees’ mean?
You’ll be well aware of what these are before you sign on the dotted line. For peace of mind, other monthly fees typically refer to additional charges beyond the interest and principal payments. These fees can vary depending on the type of loan and the lender’s policies. They may include administration fees, account-keeping fees, annual fees, or any other charges associated with managing the loan account. Reviewing the loan terms and conditions carefully to understand what specific fees apply to your loan is essential.
As a broker what's your ownership structure?
The ownership structure of the Zero Deposit Home Loans brokerage is based on a company setup. This means that the business operates under a legal entity known as a company.
Brokers can have various ownership structures, including sole proprietorships, partnerships, corporations, or even being part of a larger financial institution. Each structure has its own advantages and considerations.
Selecting a company structure for Zero Deposit Home Loans grants Bob autonomy while ensuring alignment with the needs and goals of his business.
As a broker how do I get paid?
As a broker, I am compensated by the lender for facilitating the loan process on your behalf. It’s important to note that the rates remain consistent whether you choose to work with a broker or go directly to the lender. This means that using my services comes at no additional cost to you, as the rates offered are the same regardless of the channel through which you secure your loan. My priority is to ensure that you receive the most suitable loan product tailored to your needs, while also providing expert guidance and support throughout the entire process.
About our lender panel.
Our lender panel comprises a diverse range of institutions, providing you with access to numerous options tailored to your specific needs. It’s rare to encounter a scenario where we don’t have access to a suitable lender. However, it’s important to note that some lenders opt not to use brokers. These are typically smaller institutions or online-only lenders that lack a physical presence. Currently, we work with over 40 lenders, ensuring you have ample choices when selecting the right loan for your situation.
Free 15-minute consultation
What to do if you're not satisfied
No obligations or follow-up calls if it doesn’t feel right.
Withdraw anytime with a quick phone call – We’ll tie up all loose ends promptly.
100% privacy guaranteed – Your information remains confidential and will never be shared.
How we work
Overview of Process
Meet
Bob Jones
Meet Bob Jones – Mortgage Broker & Head of Zero Deposit Home Loans
Bob Jones, born in Albury and raised in New South Wales, brings over 50 years of experience in the banking and mortgage industry to his role as Head of Zero Deposit Home Loans. Having lived across various suburbs in Sydney, including Surry Hills, and Cherrybrook, Bob possesses a deep understanding of the Sydney property market honed over decades of firsthand experience.
Bob’s career began at NAB, where he rose through the ranks to become Manager in Corporate Banking after 13 years. His expertise led him to work with various Credit Unions before transitioning to mortgage broking in 2002. Throughout his career, Bob has helped countless clients secure homes across the country.
No matter how big or small your question may be, Bob is always ready to provide clear, understandable answers. You’ll instantly feel at ease and like you’re dealing with an old trusted mate.
When he’s not busy assisting clients, you’ll likely find Bob indulging in his love for his V8 Holden Commodore. Life’s simple pleasures.
Ready to call Bob?
At Zero Deposit Home Loans, we share your belief that owning a home is a major milestone and a goal worth pursuing.
We recognize the scepticism you may harbor due to past experiences with unreliable service providers and the weight of making such a monumental life decision. After the rollercoaster of recent years, it’s time to refocus on what truly matters and work smarter towards your homeownership.
With Zero Deposit Home Loans, you can bid farewell to the traditional hurdles of deposits. Our innovative approach allows you to own a home without the financial strain.
There is a way to enjoy life to the fullest while building your future.
Having been in your shoes, we empathize with your journey and are dedicated to guiding you towards your dream of owning a home and creating a secure future for your family.
It’s time to break free from the influence of misleading media narratives and regain control of your financial future. With Zero Deposit Home Loans, you can take proactive steps to outsmart the banks and reclaim power in homeownership.
Make the first small step and call Bob.