First Home Buyer

Dear All, There’s a lot of talk about getting in — grants, shared equity, low-deposit loans, guarantees, higher-LVR lending, help from mum and dad, no LMI fees, and other incentives. But almost no one is talking about the other side: the exit. And without that lens, some solutions may cause more harm than good. The […]

Dear All, There’s no shortage of innovation in housing finance. Across Australia — and globally — new ideas continue to emerge: shared equity models, micro-deposits, fractional ownership, rent-to-buy programs, higher-interest-rate second mortgages positioned as alternative deposit solutions, cash savings programs, parents, High LVR Loans, Islamic Shariah-compliant home loans designed to align with ethical and faith-based

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

Dear All,   The Deposit Challenge Saving for a home deposit can take years. Lenders now offer high LVR (Loan-to-Value Ratio) loans — sometimes up to 105% — to help buyers enter the market sooner. While these higher LVR loans can open doors, they often come with greater long-term cost and risk. By comparison, pairing

Dear All It seems that more property developers are leaning on creative financing to keep sales moving, retire existing debt, clear out remaining inventory, shift focus to new projects, and in some cases, boost profit margins. A recent example is ALAND’s announcement: “ALAND HOME LOANS – Making it easier to buy an ALAND apartment with

Dear All It’s time to put innovation into action.The AffordAssist Challenge invites Australians to reimagine how a property deposit can work — and rewards those who help prove what’s possible.   The Challenge Instead of needing the full 10% upfront, with an AffordAssist Deferred Deposit Sale, that amount can be deferred over 60 monthly payments,

Dear All When most people think of a home deposit, they imagine years of saving, cutting back, and even accessing the ‘bank of Mum & Dad,’ waiting until that magic number appears in their account. A deposit is typically understood to mean a cash payment toward a property purchase, usually 5%–10% of the total price.

Dear All Sometimes innovation requires a little respectful explaining — especially when something looks similar to what people already know. Take this example: Uber is a ride-share service, not a taxi. Initially, this similarity sparked plenty of discussion and debate. Today, ride-sharing is widely understood and accepted — a reminder that even extraordinary innovations often

Dear All The question often arises: Why would a property seller agree to an AffordAssist Deferred Deposit Property Sale? It’s a fair question — and one that makes sense, because AffordAssist represents a new way to think about how we buy and sell property. Below, we share our perspective, real-world experience, and how this approach

𝗔𝗳𝗳𝗼𝗿𝗱𝗔𝘀𝘀𝗶𝘀𝘁 — 𝗔 𝗦𝗺𝗮𝗿𝘁𝗲𝗿 𝗔𝗹𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝘃𝗲 𝘁𝗼 𝗖𝗮𝘀𝗵 𝗗𝗲𝗽𝗼𝘀𝗶𝘁𝘀   Dear All They say a picture is worth a thousand words —𝗩𝗶𝗲𝘄 𝘁𝗵𝗲 𝘃𝗶𝘀𝘂𝗮𝗹 𝗲𝘅𝗽𝗹𝗮𝗶𝗻𝗲𝗿 to see how you could 𝘀𝗮𝘃𝗲 𝘆𝗲𝗮𝗿𝘀 𝗼𝗳 𝘀𝗮𝘃𝗶𝗻𝗴 𝗮𝗻𝗱 𝘁𝗵𝗼𝘂𝘀𝗮𝗻𝗱𝘀 𝗶𝗻 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁.    𝗔𝗳𝗳𝗼𝗿𝗱𝗔𝘀𝘀𝗶𝘀𝘁 — 𝗔 𝗦𝗺𝗮𝗿𝘁𝗲𝗿 𝗔𝗹𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝘃𝗲 𝘁𝗼 𝗖𝗮𝘀𝗵 𝗗𝗲𝗽𝗼𝘀𝗶𝘁𝘀 AffordAssist delivers an 𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁-𝗙𝗿𝗲𝗲 𝗗𝗲𝗳𝗲𝗿𝗿𝗲𝗱 𝗗𝗲𝗽𝗼𝘀𝗶𝘁 𝗦𝗼𝗹𝘂𝘁𝗶𝗼𝗻 — helping