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, this structure already exists through AffordAssist an Interest-Free Deferred Deposit Solution.
Here’s how it works:
1% — The Initial Contribution
The buyer contributes a 1% part-deposit in cash, a far more achievable level than traditional higher deposit requirements.
The 1% is used for illustration purposes — it is not a fixed minimum or maximum. In practice, the initial contribution may vary depending on the scenario and, in some cases, could be as low as $1,000.
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, paired with AffordAssist, keeping lenders well within normal risk settings — no adjustments or increased exposure required.
AffordAssist considers three critical aspects of a loan — all essential to building generational wealth – read related articles:
1) Access — The Deposit
Rethinking the role of the deposit as a pathway, not a barrier.
> The Deposit Lesson: A Means to an Outcome or Wisdom We Inherited
2) Borrow Less — Borrow Smarter
Reducing the loan LVR/ burden to build equity sooner and minimise interest over time.
> How Can I Borrow Smarter? High LVR Loans vs Home Loans Paired with AffordAssist
3) Safety — The Exit
Ensuring there is a clear, sustainable pathway forward — not just into the property, but out of risk.
> The Critical Half of Housing Affordability: The Exit
The affordability barriers are solved, not ignored, and this approach can even improve lender risk requirements. AffordAssist proven, industry-leading governance and core service fundamentals may be likened to Credit Risk Transfer (CRT), thus positioning the service as a viable home loan deposit solution for a lender and LMI.
What’s Not Required
One of the most powerful aspects of the AffordAssist structure is what it removes:
- No savings history required
- No rental history required
- No guarantor needed
- No reliance on the “bank of mum and dad”
- No need to wait years to build a traditional deposit
The 1-9-90 Home Loan Structure Already Exists
Secure a home loan with a $1,000 initial deposit. Defer the remaining deposit balance, including LMI, interest-free.
“If you are working, actively saving, disciplined, and committed, AffordAssist’s interest-free deferred deposit solution, with as little as $1,000, can support you today.”
Ask us how. We can help you access a Deferred Deposit Home Loan.
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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