Buy your first home with the 5% Deposit Scheme.
Watch how the scheme works — and how we get you pre-approved and ready to make offers in 30 days, guaranteed in writing.
Real clients, real homes
Real numbers, real deposits — not the 20% kind.
Tim & Grace
“So patient with all our questions, and there were a lot. Made buying our first home so much less stressful than we expected.”
Emily & Andrew
“Alex was truely amazing helping us buy our first home with the 5% scheme. He went above and beyond for us.”
Brendan
“Didn’t think I’d get approved on one income. They knew exactly what to do and kept me updated the whole way through.”
In 30 days, you’ll be ready to make offers with confidence.
Two things, delivered — or you don't pay a cent.
Real finance approval in writing — not an estimate, not a maybe.
Your place under the government scheme locked in, so no one can take it.
Questions, answered
The federal government guarantees part of your loan to the bank, so you can buy with a 5% deposit and pay $0 Lenders Mortgage Insurance. You own 100% of your home from day one.
No. The government acts as a guarantor to your bank — it takes no ownership, no equity, and there's nothing to repay them.
A Homli 5% Deposit specialist who has helped hundreds of first home buyers just like you. It's a very relaxed conversation — ask as many questions as you need about buying your first home.
We check your eligibility, run your numbers — maximum price, upfront costs, a repayment estimate — and map your next steps, whether you're ready now or not.
Book the call as soon as you can — timing matters once a contract is signed. We’ll confirm your eligibility, secure your 5% Scheme spot, and apply for approval on your new home straight away, working to your finance deadline from day one.
Yes — every area has its own cap. In the capitals:
- Sydney — $1.5M
- Melbourne — $950K
- Brisbane — $1M
- Perth — $850K
- Adelaide — $900K
- Hobart — $700K
- Canberra — $1M
Regional areas have their own caps — we’ll confirm the maximum for your exact area on the call.
Yes — you can buy with one other person, like a partner, friend or family member. Your deposits and incomes are combined, which often lifts what you can afford.
Not quite — you'll need your 5% deposit plus purchasing costs like stamp duty, bank fees and legal fees. The good news: most states offer stamp duty exemptions for first home buyers up to certain price points, which means many of our clients only need around $5K on top of their 5%. We confirm your exact number on the call.
Book the call anyway. Depending on your situation, there can be other paths — some buyers qualify with just a 2% deposit, and gifted money from parents can count toward your deposit too. And if you're not quite there yet, you'll leave the call with an exact savings target and a check-in date — so you always know what you're working towards.
Both work under the scheme — house and land, townhouse, apartment, or an established home, as long as it's under your area's price cap.
The first call is completely free. If you decide to go ahead, our fee is a flat $990, and it covers everything from start to finish: securing your 5% Scheme spot, recommending the right bank, applying for finance pre-approval, and support through offers, contracts and settlement until you move into your new home. You find the home, we handle everything else.
Within 30 days, you'll have written pre-approval from the bank and your 5% Scheme spot secured — ready to make offers with confidence. If we don't deliver that, we refund our fee in full — and keep working for free until you move into your new home. Our average time to pre-approval for clients is 14 days.