First Home Buyer

Dear All,  For many migrants and new arrivals, that decision is not just emotional — it is practical, financial, and deeply personal. It requires commitment to a new system, new laws, new culture, new social norms, and often a new version of oneself. Assimilation begins with a decision.A decision that this is no longer temporary […]

Dear All,  Traditionally, the word deposit has meant the same thing in Australian property:A large sum of cash upfront — or cash sourced through external funding, guarantees, the Bank of Mum and Dad, SMSFs, complex and often expensive financial arrangements, unsuitable loan products, capital pools, government grants, permanent subsidies, or third-party investors. Driven by present-day

Dear All, We can ease the housing affordability crisis without cash, using solutions that reflect how the economy continues to change and how people actually live, earn, and pay — not just how housing has traditionally been funded: through the Bank of Mum and Dad, equity, guarantors, second mortgages, personal loans, high-risk structures, or ongoing

A Real Deposit Solution — Without the Need for Equity, the Bank of Mum and Dad, Restrictive Eligibility Conditions, or More Than 1% Cash   Dear All, If you’ve been searching for ways to buy a home, you’ve likely seen the ads: “No Deposit Home Loans!”“Buy with No Money Down!” They grab attention — but

Dear All, AffordAssist offers builders a smarter way to secure build contracts with as little as 1% initial cash from the buyer, while reducing reliance on high-cost marketing and sales commissions. Builders no longer need to operate under constant pressure to maintain sales volume while protecting margins. AffordAssist enables this through an interest-free deferred deposit

Dear All, Landlords represent around one-third of Australian households, taking significant financial pressure off government and other housing providers. Rental income may be strong. Equity may exist. Servicing may stack up — yet hundreds of thousands of dollars can remain tied up in deposits. From time to time, discussions around changes to property investment arise

Dear All, Across Australia, a common refrain has emerged:“If you want to buy your first home, you need the Bank of Mum and Dad.” It’s a phrase that’s become normalised — repeated in lending conversations, reinforced by community expectations, and often assumed within the home-buying process. Beneath its familiarity lies a deeper issue — one

Dear All, For many borrowers, the search begins — and ends — with one question:“What’s the lowest interest rate I can get?” But there’s a deeper question that borrowers, brokers, accountants, and financial planners should ask: “What if the smartest path to affordability and building equity isn’t about chasing the lowest interest rate — but

Dear All, Housing affordability is often framed as a policy challenge or a market problem.Despite well-meaning initiatives, homeownership is becoming increasingly difficult — and for many, almost impossible. Over the past decades, at its core, it has become something more: a systemic community issue. When more Australians can access stable housing earlier, the benefits extend

Dear All, Buyers are often told that saving a deposit is just “part of the process.”But imagine another way to get a home “1‑9‑90 Home Loan” —buyers contribute just 1% upfront, defer 9% interest‑free, and secure a standard home loan at 90% LVR. What you have now in savings may be enough: No loopholes. Just