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Think you need a massive deposit to buy your first home in Melbourne? Think again. With a low deposit home loan in Melbourne, you could be holding the keys to your new home sooner than you thought possible. At Ingenious Finance, we specialise in helping first-time buyers and low-deposit applicants access the most suitable home loan options tailored to their financial situation.

Buying a home is one of the biggest decisions you’ll make — and our team is here to make it easy, affordable, and achievable.

What Is a Low Deposit Home Loan?

A low deposit home loan allows you to borrow up to 95% of the property’s value — meaning you only need a 5% deposit to get started. Some buyers may even qualify for zero-deposit loans when using a guarantor or eligible government schemes.

For example, if you’re eyeing a $600,000 property, a 5% deposit would be just $30,000 — significantly more achievable than the traditional 20% requirement.

How Ingenious Finance Can Help

As your trusted mortgage broker in Melbourne, Ingenious Finance does more than just connect you with lenders. We provide step-by-step support to ensure you:

Who Should Consider a Low Deposit Loan?

A low deposit home loan in Melbourne is perfect for:

Why Choose Ingenious Finance?

Access to 30+ Lenders
We compare a wide range of banks and lenders to find the right low deposit options for you.

Personalised Loan Strategy
Every client is different — we tailor our advice to your goals, budget, and borrowing power.

Fast Pre-Approvals
Start your house-hunting journey with the confidence of knowing what you can afford.

Government Scheme Support
We help you apply for eligible first-home buyer programs to reduce upfront costs.

No Broker Fee for Most Loans
Our services are usually free, as we’re paid by the lenders — not you.

Take the First Step Toward Your Dream Home

Don’t let a small deposit hold you back. With the right guidance and loan strategy, homeownership is within reach. Let Ingenious Finance help you explore your options for a low deposit home loan in Melbourne and start building your future today.

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Hello there at Ingenious Finance we provide loan services for buying first home, investment property, car loan, commercial finance etc., Feel free to get in touch with us now...