Dear all
The saying “cash is king” is especially relevant when deciding how much of your savings to use as a deposit for a home loan. It’s long been assumed that the more cash you can put down as a deposit, the better.
Why tie up your savings in a large deposit when there is a new pathway?
Smarter Loan Structure: High-Income Loan Applicants Can Make
Have the deposit. Done the numbers. Ready to go.
They’re getting a home loan approval, but keeping some of their cash deposit working for them.
Now you don’t have to imagine it.
Done. Approved.
A home loan of up to 90% LVR can be paired with AffordAssist (typically the balance may vary 13% can range to 18%). And in today’s economy, this flexibility can be a game-changer.
Here’s How: Get Two Approval Options—No Obligation
When applying for your home loan, it is highly recommended that you ask your mortgage broker for two approval options:
- A standard home loan
- A home loan paired with AffordAssist
Potentially the same loan. Two deposit paths. One could make a big difference. With AffordAssist, keep your cash and keep your options open for the future:
- Start your home loan with less cash, as little as 1% cash
- Buy a property from a participating seller
- Defer the balance of the deposit (typically over 60 months but can range to 120 months) – Interest free
- Retain 100% title ownership from day one
Why Use Less Cash Upfront?
Because high-income professionals don’t just spend cash – they allocate it.
There are many situations where holding onto your cash can be in your best interest—whether for emergencies, health needs, supporting others, growing a business or consider timely opportunities.
Keeping some of your cash provides both peace of mind and financial agility. A lower deposit commitment can help you:
- Stay prepared for emergencies or health-related costs
- Support loved ones or other financial obligations
- Flexibility, keep cash available for investing or business opportunities
- Keep your cash compounding, not locked in walls
- Maintain funds (example, keeping $100,000 in cash) in an offset or high-interest savings account
This is not about affordability – it’s about optimising available cash, reducing the long-term cost of home ownership while maintaining greater financial flexibility.
A New Pathway in Lending
AffordAssist is one of the most innovative combination home loan and property deposit solutions: Interest-Free Deferred Deposit Solution.
Where the deposit balance is paid later, interest free.
Read related articles:
Imagine Not Paying Any Interest on 10% of Your Home Loan. Done.
Friction Can Lead to Extraordinary Wealth Outcomes
If your mortgage broker hasn’t heard of AffordAssist, send them this post. They’ll thank you later.
Check Your Eligibility
Cash is King – So Keep Some: Please APPLY or visit the AffordAssist website for details. There’s never been a better time to explore a smarter, more flexible deposit pathway to home ownership. No obligation. Just an option worth knowing about before you decide.
Regards
AA – Link to book a 10-minute call
B2B – AffordAssist facilitates and oversees the governance process. Are you a mortgage broker, lender, developer, real estate agent, affordable housing advocate, a community leader or housing minister? Pair your services with AffordAssist. Join us in our mission to expand access to home ownership. Together, we can make a lasting impact.
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