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Home Loans

Want to buy a house but have a low deposit?

Discover how Stanford Financial can unlock the door to your dream home in Brisbane with low-deposit home loans tailored just for you. Start your journey to homeownership today with our expert guidance and personalised finance solutions.
Book your FREE consultation
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Helping all Aussies achieve their homeownership dreams.

Ask us, it is our specialty.
At Stanford Financial, we specialise in low-deposit home loans, making homeownership accessible and affordable for everyone. With our deep understanding of the financial landscape and a commitment to personalised service, we’re here to guide you at every step.

Whether you’re buying your first home or expanding your portfolio, our expertise helps you open the door to your future home with a minimal upfront deposit. Book a free consultation online or call us on 0483 980 002 today to learn how we can help make your home ownership dreams a reality.
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How to qualify for a low deposit home loan

Qualifying for a low-deposit home loan in Brisbane requires meeting specific criteria that demonstrate your ability to manage loan repayments. To qualify, you’ll generally need to meet this criteria:
Residency Status
You must be an Australian citizen or permanent resident.
A stable income
Demonstrate a stable income to support loan repayments.
Good credit score
A good credit score is generally required, though some flexibility may exist for minor issues.
Employment history
Lenders typically look for stable employment over the past 6 to 12 months.
Evidence of savings
Evidence of genuine savings to cover at least part of the deposit can strengthen your application.
Manageable debt levels
Your existing debts should be manageable within your current income to ensure you can comfortably meet loan repayments.
Property value
The loan amount you're eligible for may depend on the valuation of the property you intend to buy.
If you’re unsure about whether you’ll be eligible, book a free consultation online or call us on 0483 980 002. We’ll guide you through the eligibility requirements based on your unique situation, ensuring you’re well-prepared to secure your low-deposit home loan.
Let's get started
Hands sorting a stack of clipped paperwork for a loan application

Various low deposit loans availble to you

High LRV lending

Do you have a great income but haven’t had the opportunity to save for a deposit? There are specific lenders who will lend up to a 98% LVR (including LMI) for an owner-occupied property & up to a 97% LVR (including LMI) for an investment property.

Cross-securing

Do you have an existing owner-occupied or investment property? If so, you may be able to utilise the existing equity in your property to cross-secure to help purchase a new property. Depending on your situation & equity position, you may not be required to utilise any savings when cross-securing.

Family guarantee

Does somebody in your immediate family own a property? If so, you can potentially utilise the family member’s property as collateral security to help avoid Lenders Mortgage insurance and reduce the LVR to 80%.

Occupation opportunities

Depending on your occupation, we can find opportunities to leverage your low risk as a borrower by researching options that will waive the LMI. Please see further details in our Specialist Lending page to see if you qualify
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We can guide you on leveraging government assitance

We can help you leverage several government programs to help secure more funding for your home loan or reduce the Loan-to-Value Ratio (LVR) required to secure funding. Some examples include:
First Home Owner Grant (FHOG)
We guide you through the application process for the First Home Owners' Grant, helping you secure funds towards your new home purchase.
Stamp Duty Concession
Understand how you can save on stamp duty costs as a first-time buyer or when purchasing a lower-priced property, potentially saving thousands.
First Home Guarantee (FHBG)
We help you explore eligibility for this national scheme, allowing you to buy your home with as little as a 5% deposit without paying Lenders Mortgage Insurance (LMI).
Family Home Guarantee
For single parents, this scheme can be a pathway to home ownership with as little as a 2% deposit, and we'll assist with the application process to make it smooth and understandable.
State-specific Schemes
Each state, including Queensland, may offer additional assistance programs. We stay up-to-date with these opportunities to ensure you don’t miss out on potential benefits.
Combining your existing savings with one or more of these schemes will put you on the right path towards securing home ownership.
Let's get started
Colleagues in a business meeting discussing deposit and LMI options

Looking for a different type of home loan?

If you need a different loan, we've probably got it covered. Whether you're refinancing, investing, upgrading or building, there's a path for that below. Or call 0483 980 002 and we'll point you the right way.

First home buyer loan

Refinancing loan

Investment loan

Seperation loan

Bad credit loan

Construction loan

Home reno loan

Other loans

Specialist loans

OUR ACCREDITED NETWORK

With access to 60+ banks and lenders, we ensure that you get the best options.

More options mean a better deal. We compare across the panel so you land the right loan, not just the easy one.
More than just a broker

A low deposit doesn't mean you cannot buy a home

Saving a full deposit can take years, and waiting isn't always the right call, especially while property prices keep moving. There are legitimate paths to buying with less saved upfront, from government guarantee schemes to lenders mortgage insurance, and which one suits you depends on your situation. We'll walk you through what's actually available, what it costs, and whether it makes sense to buy now or keep saving a little longer.
Comfortable home interior in bright daylight, bought with a low deposit home loan
$1.2B+
Settled Home Loans
60+
Banks & Lenders Accessible
4.3K+
Aussie Families Assisted
5 Stars
On Google Reviews

Meet your expert mortgage broker team

Logan Stanford, Managing Director and founder of Stanford Financial

Logan Stanford

Managing Director
Steven Beach, Lending Director at Stanford Financial

Steven Beach

Lending Director
Richard Grainger, Senior Lending Adviser at Stanford Financial

Richard Grainger (Richie)

Senior Lending Adviser
Sheree Pendergast, Lending Support Manager at Stanford Financial

Sheree Pendergast

Lending Support Manager
Renata Small, Client Experience Manager at Stanford Financial

Renata Small

Client Experience Manager
Mitchell White, Lending Support Manager at Stanford Financial

Mitchell White (Mitch)

Lending Support Manager
TESTIMONIALS

Trusted by families across Australia

We've helped thousands of Aussies find a low deposit loan that actually works for their situation, and we know the schemes and lenders well enough to steer you around the fine print that catches people out.
"I simply can’t thank and commend Richie, Steven, Renata and the whole team at Stanford Financial enough for making my mortgage refinance as smooth as humanly possible."
Client testimonial profile photo
Dan
Stanford Financial Client
"We are so Blessed with our new Home. Thanks to Stanford Legal, Laura was a joy to communicate with anytime we needed to enquire. Quick, reliable and very Trustworthy."
Stanford Financial client Katrina Emberson
Katrina Emberson
Stanford Legal Client
"We are beyond grateful for Richie and the team at Stanford! 🙌🏻 Through every hurdle and challenge, they went exceptionally far to help get our application through."
Stanford Financial client Khristen Mamangun
Khirsten Mamangun
Stanford Financial Client
"One thing I always love and look for when choosing people to guide me is how much time and presence they give. They treated us like we were the only client they had."
Stanford Financial client Dragica Radosavljevic
Dragica Radosavljevic
Stanford Legal Client
"All the team at Stanford were good to deal with. If you're a Veteran struggling to get a loan approved because you're on Incaps, or Super, speak to them."
Stanford Financial client Stewart
Stewart S
Stanford Financial Client
"This is the second time we’ve used stanford financial, and once again the experience was outstanding."
Stanford Financial client Blake Whitehead
Blake Whitehead
Stanford Financial Client
"Phenomenal service. Thank you to the Stanford Legal team for all your help & guidance."
Stanford Financial client Bryony Winsor
Bryony Winsor
Stanford Legal Client
"I can’t recommend Stanford legal enough. All 3 property sales have been seamless, professional and efficient. The team are amazing and will look after you."
Stanford Financial client Christie Johnston
Christie Johnston
Stanford Legal Client
"The team at Stanford Financial are brilliant! I was referred to them by a friend and dealing with them has been a fantastic experience."
Stanford Financial client Andrew Bell
Andrew Bell
Stanford Financial Client
"I honestly can't thank the team enough at Stanford Financial, especially Richie and Mitch! They both went above and beyond to get my finance sorted, and they did it all within 24 hours!"
Stanford Financial client Jamie Harris
Jamie Harris
Stanfor Financial Client

Our awards

MFAA 2023 State Winner, Community Champion Award
MFAA 2023 State Finalist, Finance Broker Business Award
MFAA 2023 State Finalist, Diversified Business Award
MFAA 2023 State Finalist, Customer Service Business Award
MFAA 2022 National Winner, Diversified Business Award
MFAA 2022 National Winner, Newcomer Award
MFAA 2022 State Finalist, Finance Broker Business Award
MFAA 2022 State Finalist, Customer Service Individual Award
MFAA 2022 State Finalist, Young Professional Award
MFAA 2022 State Finalist, Loan Administrator Award
QUESTIONS

Frequently asked questions

Can't find an answer to your question?
Book a call
How much can I borrow for a home loan?
The amount you can borrow for a home loan depends on several factors, including your income, expenses, existing debts, and credit history. At Stanford Financial, we evaluate your financial situation to determine the maximum loan amount you qualify for, ensuring it aligns with your repayment capability. You can get a rough estimate using our online home loan calculator or schedule a consultation with one of our loan advisors for a more precise assessment.
How much deposit do I need for a home loan?
The minimum deposit required for a home loan typically ranges from 5% to 20% of the property’s purchase price. The exact percentage can vary based on the loan product and your financial circumstances. A larger deposit might help you secure better interest rates and avoid the cost of Lenders Mortgage Insurance (LMI). We recommend discussing your deposit options with a Stanford Financial loan specialist to find the best solution for your needs.
What is the LVR of a home loan?
The Loan to Value Ratio (LVR) is a measure used by lenders to assess the risk of a home loan. It is calculated by dividing the loan amount by the value of the property being purchased, expressed as a percentage. For example, if you’re borrowing $300,000 to purchase a $400,000 property, your LVR would be 75%. A lower LVR generally represents lower risk for the lender and may result in more favourable loan conditions.
How to apply for a home loan?
Applying for a home loan with Stanford Financial is straightforward:

1. Kick-off Conversation: Your journey begins with a consultation with one of our experienced lending advisors.
2. Analytical Prep: A dedicated Credit Analyst gathers and prepares the necessary documentation.
3. Exploration of Options: Your Lending Advisor will then illuminate the path forward by presenting home loan options that are uniquely suited to your personal circumstances.
4. Drafting Your Application: With a clear direction, your Analyst prepares your loan application, ensuring every detail aligns with your goals.
5. Fine-tuning and Submission: We pay attention to the finer details, refining and finalizing your application before it’s submitted for approval.
6. Celebrating Approval: Once your loan is approved, it’s time to celebrate! Your Settlement Coordinator will reach out with the good news and guide you through the final steps.
Does HECS debt affect home loan?
‍Yes, your Higher Education Contribution Scheme (HECS) debt can affect your home loan application. While it is not considered as negatively as other types of debt, your HECS debt reduces your overall borrowing capacity as it is a financial commitment that must be repaid from your income. Lenders, including Stanford Financial, take your HECS debt into account when assessing your loan application, evaluating your income and repayment capacity. It’s important to disclose any HECS debt during the application process.
Do you help clients find low-deposit home loans Australia-wide?
Accessing home ownership is easier with our low-deposit home loan solutions. Our mortgage brokers work with clients across Australia, helping you overcome the hurdle of large deposits with tailored, accessible financial solutions.

Ready to talk about your next move?

Whether you're buying your first home, refinancing, or building a portfolio, our team is ready to guide you on your journey.
0483 980 002
Book a consultation