The great Australian dream of buying your first home, is now possible, for everyone.

…how? By providing a solution for the biggest barrier to
getting a property and a loan. The deposit. Solved.

AffordAssist help with first home buyer deposit with approved lenders and mortgage brokers can offer loans of up to 90%. Call: 1800 961 108

AffordAssist help with first home buyer deposit

Inflation, home rentals and real estate values are increasing at a greater rate than household incomes. Making saving for a deposit increasingly more difficult, even impossible.

Our economy has shifted, possibly neglecting the key civil and fundamental right. Putting at risk the dream of owning a home, impacting on our social-fabric and economy.

Considering such market conditions: More than ever first-home buyers need a solution like AffordAssist to get into home ownership.

The AffordAssist help with first home buyer deposit is life changing. 

AffordAssist Deferred Deposit Solution

AffordAssist: Buy your first home today, defer and pay the deposit without interest later.

So how does AffordAssist do this? By providing an innovative Deferred Deposit Solution (DDA) between the property seller and buyer for the amount needed to secure a loan.

defer / verb
put off (an action or event) to a later time; postpone.

Put simply, AffordAssist replaces the need for the full cash deposit. You can buy today with an initial part-deposit and pay the balance of the deposit most typically within 60 months, and always without interest. You will have 100% ownership of the title.

Buying a property with AffordAssist can reduce mortgage stress by reducing the loan amount, saving LMI (Lenders Mortgage Insurance) fees; and thousands on interest repayments.

How AffordAssist Makes It Possible

AffordAssist offers an innovative property-deposit and loan-deposit solution for buyers wanting to enter the market today.

You, the buyer

Your eligibility to secure a home loan is based on your (and if applicable that of your co-purchaser) compliance with your chosen lender’s usual criteria, including annual income and outgoings including payments under the Deferred Deposit Agreement (DDA).

Deferred Deposit Home Loan

An AffordAssist approved lenders and mortgage brokers can offer 1% Deposit Home Loan.

Approved lenders and mortgage brokers can offer loans of up to 90% of the property value. An AffordAssist Deferred Deposit* can be used for all or part-of the deposit when assessing eligibility and maximum property budget. And, they know how to process AffordAssist applications. All assessments are at arm’s length and follow lenders’ duty of care. 

*may vary up to 15% and include LMI

Deferred Deposit Property Sale

AffordAssist replaces the need for the typical cash deposit required by the property seller with a proprietary Deferred Deposit Agreement (DDA), which may be used for all or part-of the deposit and includes a no-interest payment plan. At settlement of your purchase you become the proprietors of the property – The AffordAssist program isn’t a shared equity or ‘rent-to-buy’ scheme!


AffordAssist’s governance process includes a program solicitor that advises you on the Deferred Deposit Agreement (DDA), thus protecting you, other stakeholders and the longevity of the program.


AffordAssist  are the program managers, helping you from your initial call to the time you receive the keys to your new home.

AffordAssist continues to procure new lenders and to expand the list of approved properties Australia wide.

AffordAssist Manages Risk

An AffordAssist Deferred Deposit Home Loan is very likely to yield less risk. Because…

Under a sales model outcomes may be driven by having to say and do anything, AffordAssist is NOT sales focused:

AffordAssist is eligibility focused and features:

It is with these core fundamentals that the programs service and AffordAssist Conditional Approval are provided.

AffordAssist IS NOT


Title Ownership 

Am I Eligible?

What you have now maybe enough. Real scenarios of Buyers with less than 1% cash deposit have been approved, secured a loan and purchased their own home, Examples:

  • Scenario-1 $1,000 (Single mum)
  • Scenario-2 $1,650 (Family with two children)
  • Scenario-3 $5,000 (Single)

Our eligibility process:

Approved Properties

AffordAssist is designed to include all residential property types. Off the plan, brand-new or previously lived-in. Select from the AffordAssist approved properties list. The fee for this comprehensive service is generally paid by the property seller.

Where the current list of AffordAssist approved properties does not meet with your present needs, may we suggest that you continue pursuing your dream of home ownership via:

  • AffordAssist Buyer’s Agent. The option to engage an AffordAssist approved buyers agent to work with you to source a suitable property, for a prepaid flat fee.
  • DIY. You will find your own property. AffordAssist team member will offer free phone assistance.

Does Your Situation Sound Like Any Of These?

AffordAssist Property List

You want to break free from renting and own your own home. You have some savings and want to select a property from the AffordAssist approved list 

Saving Deposit Amount For House

You have found (DIY) your dream home, one that perfectly suits your lifestyle and budget. You are only part way to saving your deposit amount and the property sellers has agreed to AffordAssist the balance. 

House Broken Chain

You saved your deposit, chose your home and were on track to settle, until the bank undervalued the property. Now you need to cover the shortfall or risk losing your deposit, and time is running out.

If any of these three scenarios sounds like your situation, please contact us

Try Our Calculators To See Your Incredible Savings and how affordable your first home could be:

Free Event

Want to learn more about AffordAssist? We can notify you about our next FREE Information Session.


AffordAssist help with the first home buyer deposit. Replace the need for the typical cash deposit with our innovative deferred deposit solution. AffordAssist is your new way to buy your first home today, defer and pay the deposit later.

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AffordAssist is an affordable housing program specifically designed to meet the needs of first-home buyers. It is a corporate solution offered alongside government initiatives with a single purpose to increase first-home ownership in Australia.

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