For home buyers

Buy your home sooner.
Keep it 100% yours.

The EMortgage tackles deteriorating housing affordability head-on, helping home buyers become homeowners with far less cash upfront and lower ongoing repayments.

5%
deposit, no LMI
100%
ownership of your home
What you get

A simpler path to ownership.

Just a 5% deposit

No lenders mortgage insurance (LMI)

Stamp duty financed through your home loan, no upfront payment

EMortgage interest financed through your home loan, no extra monthly outgoings

Lower bank loan-to-value ratio (LVR)

A dedicated full-service buyers agent

A mortgage broker to secure competitive home loan options

You retain 100% ownership of your home

Deposit calculator

See the difference at a glance.

Adjust your target property price to compare the standard path with the EMortgage path. Illustrative only.

$
$300k$2M
Standard path
20% deposit$160,000
Stamp duty (est.)$32,000
LMIAvoided with 20% deposit
Upfront cash needed
$192,000
EMortgage path
5% deposit$40,000
Stamp dutyFinanced
LMINone
Upfront cash needed
$40,000
$152,000 less upfront (79%)

Illustrative only. Actual stamp duty varies by state, property type, and buyer status. Not financial advice.

Ready to get started?

Register your interest as a home buyer and we'll be in touch.

Register your interest as a home buyer