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 a smarter, more achievable way to buy a home.
Introducing the 1-9-90 Structure (Powered by AffordAssist)
While the “1-9-90 Home Loan” may sound like an exciting new product, there is no evidence of it being marketed as such yet — but regardless of the label, the same structure already exists through the AffordAssist Interest-Free Deferred Deposit Solution.
Here’s how it works:
1% — The Initial Contribution
The buyer contributes a minimum 1% part-deposit in cash, a far more achievable level than traditional higher deposit requirements.
9% — The Interest-Free Deferred Deposit
Instead of saving the remaining 9% (which could take years), buyers defer it through AffordAssist:
- Interest-free
- Flexible term (1 to 10 years) and amount (up to 15%+ of the property value, and may include LMI)
This removes one of the biggest barriers to home ownership: saving a full deposit.
90% — Standard Home Loan LVR
With the 1% + 9% deposit in place, the buyer can apply for a standard 90% LVR home loan, keeping lenders well within normal risk settings — no adjustments or increased exposure required.
The deposit barrier is solved, not ignored, and this approach can even improve lender risk requirements.
The 1-9-90 Home Loan Structure Already Exists
Beyond the label, AffordAssist’s flexible deposit‑structuring solution is already unlocking housing affordability.
If you’re a buyer, mortgage broker, lender, developer, real estate agent, or affordable housing advocate interested in how the 1-9-90 structure can support your goals, feel free to reach out — we’d be happy to explain how it works.
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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