In 2025, there are more ways than ever to get into the market, even if your savings are limited. Whether you’re a first home buyer, an upgrader, or buying with family support, the right lender and structure can help you move sooner.
Traditionally, lenders prefer a 20% deposit. But in today’s lending environment, many approved buyers can secure a home loan with:
through standard low-deposit loans
through government-backed schemes
using a family guarantor
The right option depends on your income, eligibility, and lender policy.
At Flenley Financial Group, we regularly help:
with limited savings
Young professionals renting while saving
guarantor support
eligible for the Family Home Guarantee
to reduce upfront costs
Even if you don’t have the full 20%, you still have options.
Borrowing more than 80% of a property’s value usually means LMI but that doesn’t mean a huge upfront cost.
We’ve built exclusive relationships with over 340 lenders.
When you apply through Flenley, the lender pays us — not you.
No hidden fees. No upfront charges.
Just expert advice focused on what’s best for your financial future.
Get a quick estimate now
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including those offering teacher-specific lending benefits
for low deposit borrowers and first home buyers
on LMI, grants, and structuring
— we work for you, not the banks
even if it means waiting or staying with your current lender
Book your free consultation with a Flenley mortgage expert.
We’ll help you work out exactly how much you need, what you qualify for, and which options make sense for your budget.
Or call us directly at 0461 559 105 for immediate advice.
