Dear All,
“I offer to buy this property with the AffordAssist Deferred Deposit Solution.”
That single sentence is reshaping the way property is bought and sold.
Across Australia, many buyers qualify for finance but can’t bridge the deposit gap. They’re ready to buy yet remain stuck with the same solutions, trapped in the same cycle — rising prices and rising rents.
Why Current Solutions (the Sameness Equation) Raise Concerns
Many solutions have been proposed to address the housing crisis, but one of the biggest hurdles remains the deposit. In today’s market, saving for a deposit can take up to ten years, while property prices, rents, and interest rates continue to rise faster than wages.
Lenders, governments, and other stakeholders have attempted to bridge the deposit gap through higher LVR loans, parental guarantees, and shared equity schemes. Yet these approaches often increase both risk and total interest, and can expose buyers to potential loss of equity — rather than addressing the fundamental challenge: enabling safe, timely, and sustainable entry into the housing market.
The Risk of No-Equity
With higher LVR loans or shared equity models, buyers can begin homeownership with potential negative equity — owing more than the property’s value. Even small changes in the market or personal finances can magnify this risk:
- Refinancing limits: Reduced flexibility until sufficient equity is built
- Slower equity growth: Early repayments primarily cover interest
- Higher interest costs: Rate increases hit harder on larger balances
Long-term impact: Lowering the LVR can make a significant difference, potentially saving hundreds of thousands in interest over the life of the loan.
Deferred Deposits: Helping Buyers Break the Sameness Equation
A Deferred Deposit, delivered through AffordAssist’s industry-leading process, fills that gap. It allows part of the deposit to be deferred interest-free under a governed, transparent agreement.
This creates a balanced advantage for all parties:
- Government need not contribute potentially billions of dollars.
- Buyers enter the market sooner without overleveraging.
- Sellers gain access to more qualified buyers and can contribute to the next generation, as their own children may in due course participate in a purchase.
- Lenders finance a lower LVR, strengthening credit quality based on affordability — removing potential bias, restrictions, or preferences.
This is how housing affordability becomes a shared ecosystem — a community-centric solution — rather than the sameness equation.
It signals a shift — from affordability being a personal struggle to becoming a shared, structured opportunity for buyers, sellers, lenders, and government alike.
AffordAssist Interest-Free Deferred Deposit Solution — A Smarter Alternative to Cash Deposits
Purchase a property from a willing seller using a partial deposit upfront and defer the remaining deposit — interest-free — for up to 60 months, while enjoying 100% ownership from day one.
When applying for your home loan, ask your mortgage broker for two approval options:
- A standard home loan
- A home loan paired with an AffordAssist Deposit Certificate
Evaluating both options side by side shows the difference in repayments and how much less interest can be paid when pairing with AffordAssist.
Example: Why This Matters — and Is It Worth the Effort for Buyers?
- Enter the property market sooner — without extra loan debt or pressure on family
- Reduce the loan amount by 10% on an $800,000 purchase = $80,000
- Typical repayments to a lender (≈3×) = $240,000
- With AffordAssist — Interest-free = $80,000
→ You save approximately $160,000
Ask the Question
You have your AffordAssist Approved PDF in hand. Now, ask the question:
“I offer to buy this property with the AffordAssist Deferred Deposit Solution.”
By taking this step, you are positioning yourself as a confident, prepared, and qualified buyer.
In most cases, this approach can secure a yes from the seller within three months.
It is not for the agent to say no — they will put your offer forward.
If a seller says no, simply present your offer to the next property, and continue to ask until you get a yes. After all, your approval is ready — and a “yes” directly impacts you and your family’s future.
For Your Consideration:
Is achieving a faster, safer purchase worth the effort?
For most buyers, the answer is a resounding yes — because it transforms the sameness equation into a structured, achievable path to home ownership.
Which Option Fits You Best?
Don’t ask the question — stay your path.
Ask the question — and gain the potential to achieve sustainable ownership, lower debt, and faster equity growth through a flexible, interest-free structure.
Other options may help open the door to home ownership — but only AffordAssist helps you stay there comfortably, with less debt, lower risk, greater control, and the ability to retain greater equity.
Final Thought
Hal B. Gregersen once said, “Questions are the answer.”
The present and more important question is:
“How can I structure a property purchase using the AffordAssist Deferred Deposit Solution?”
By asking this question, buyers can move beyond the sameness equation — entering the market sooner, building intergenerational wealth, and achieving stronger equity, lower interest costs, and sustainable financial freedom — all while keeping borrowing responsible and risk manageable.
Regards
AA
B2B – AffordAssist facilitates and oversees the governance process. Are you a mortgage broker, lender, developer, real estate agent, affordable housing advocate, or housing minister? We welcome your collaboration. Join us in our mission to expand access to home ownership. Together, we can make a lasting impact.
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