Low Deposit Home Loans in Sydney — Buy With as Little as 5%
A smaller deposit doesn't have to delay your home ownership goals. Path Finance compares low deposit options across Government schemes, family guarantors and lender policies.
📅 Evenings & weekends available · 📞 Phone or Zoom · No obligation
Low Deposit Pathways
First Home Guarantee
A Government scheme that may allow eligible first home buyers to purchase with a 5% deposit without LMI. Place availability and income caps apply.
Family Guarantee
A close family member's property equity may be used as additional security, allowing you to borrow with a smaller cash deposit.
Professional LMI Waiver
Certain qualified professions (such as medical, legal and accounting) may be eligible for LMI waivers with some lenders. Eligibility is policy-based and varies.
Gifted Deposit
Most lenders accept a gifted deposit from immediate family with a statutory declaration confirming the funds are non-repayable.
Three Simple Steps
Free Consultation
We learn your goals, financial situation and what matters most to you.
Compare & Recommend
We search 30+ lenders and present tailored loan options for your circumstances.
Settle & Support
We handle the paperwork end-to-end and stay with you through to settlement.
Frequently Asked Questions
It may be possible through schemes such as the First Home Guarantee, family guarantor arrangements or specific lender policies. Eligibility, place availability and lender approval apply.
Check Your Low Deposit Options
We work around YOUR schedule — book a call for any time that suits you, including evenings and weekends. No fees, no pressure, just honest advice.
📅 Evenings & weekends · Phone or Zoom · No obligation
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