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 for many buyers, they also lead to frustration, wasted time chasing these offers, and false hope.
The Problem with “No Deposit” Messaging and Marketing Hype
“No deposit” advertising often relies on conditions that don’t apply to most buyers, such as:
- Significant existing property equity
- A guarantor, usually the Bank of Mum and Dad
- High-risk lending structures with long-term cost implications
- Restrictive eligibility conditions
Deposits matter. The reality is simple: a deposit is still required to buy a home.
Deposits exist for a reason. They:
- Reduce the loan amount
- Lower long-term interest costs
- Improve lender confidence
- Create a more stable financial foundation for buyers
The question isn’t whether a deposit is needed.
It’s how buyers can meet deposit requirements and eligibility conditions without impossible hurdles.
The AffordAssist Interest-Free Deferred Deposit Solution
AffordAssist rethinks what a deposit can be.
Instead of requiring:
- Property equity
- Family guarantees
- Large upfront cash savings
AffordAssist enables buyers to:
- Contribute as little as 1% cash
- Structure the remaining deposit interest-free
- Reduce the total loan amount from day one, build equity sooner, and pay less interest overall
- Avoid reliance on parents, existing assets, or strict eligibility conditions
AffordAssist provides a flexible, transparent deposit component — without shifting risk onto families or pushing buyers into unsuitable loan products.
It’s a real deposit solution designed to meet lender expectations while improving affordability for buyers.
Less Hype. A Smarter Pathway.
Buyers deserve more than marketing headlines.
If you’re considering homeownership, shift your focus to AffordAssist.
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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