Buy Your First Home Without a 20% Deposit: Smart Strategies | Stellar Finance Group
Guess what you don not need a 20% deposit to buy your first home and even your next home the fact is the majority of first home buyers do not have a 20% deposit plus cost it’s actually extremely rare so if you are wanting to secure your first property faster you’re not going to have 20% and that’s okay with the amount of government incentives now out there to support first home buyers you don’t one so here are just few small ways to buy with a smaller deposit number 1 and one that is more popular for quite some time is a family gift that can add to your deposit if that’s not available to you, you might have a family guarantor so this means no physical money is actually exchange you still borrow the full amount you require from the bank but as your family going to provide another property to the bank to secure your home loan against the risk is less as percieved by the bank and they won’t charge lenders mortgage insurance
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