Getting into the property market without a deposit sounds like a dream — but for many Australians, it’s a real and achievable goal. Here are five creative ways people are entering the market sooner:
1. Use Your Super (SMSF)
If you’ve got over $150K in super, you may be able to purchase an investment property through a self-managed super fund. It’s a longer-term play, but powerful for wealth building.
2. Guarantor Loans
Some lenders let you borrow up to 100% of the property value if a family member uses their home as security. It’s popular for first-home buyers with family support.
3. Community Funding Models
Platforms like ours help match aspiring buyers with capital partners — sharing equity in exchange for upfront costs. You buy the home, we help make it possible.
4. Equity in an Existing Property
Already own a property? Tap into your home’s equity to buy your next one — often with little or no cash required.
5. First Home Buyer Incentives
Government grants and schemes can drastically reduce what you need upfront. Pair that with one of the above and you could be closer than you think.
