The Fast Track to Your First Home (With Just a 5% Deposit)

Skip the years of saving and the endless renting cycle. The government’s 5% Deposit Scheme is your shortcut to finally getting the keys.

Let’s be honest—saving a traditional 20% deposit around Sydney or anywhere in NSW right now can feel like an impossible mountain to climb. But what if you didn’t have to wait?

The government has recently supercharged their deposit scheme (formerly known as the Home Guarantee Scheme), making it easier than ever to get into the property market. They’ve scrapped the waitlists, ditched the income limits, and significantly bumped up the property price caps.

Here’s the deal, plain and simple:

• For First Home Buyers: You only need a 5% deposit.

• For Single Parents & Guardians: You only need a 2% deposit.

• Zero LMI: The government guarantees the rest of your 20% deposit. That means you don’t pay a single cent in Lenders Mortgage Insurance, saving you tens of thousands of dollars.

• Higher Buying Power: In Sydney and NSW regional centres, the property price cap is now a massive $1.5 million.

• No Waitlists & No Income Caps: If you have the 5% saved and meet the basic criteria, you can apply right now, regardless of your income bracket.

How we make it happen for you Trying to figure out government websites and comparing the 30+ participating lenders is a headache you just don’t need. At SRI Finance, we handle all the heavy lifting for you right here from our Maroubra office.

We’ll check your eligibility, match you with the absolute best participating lender for your situation, and take care of all the complex paperwork. You just focus on the fun part: finding your new home.

Let’s see what you can afford. Wondering if you qualify or how much you could actually borrow? Let’s run the numbers together. No stress, no obligations—just straightforward, local advice to get you moving.