Leverage may sound like a scary word to some people, but it has a very different meaning for real estate. Home Deposits Now's innovative approach lets you leverage your parents' home equity to secure your deposit. As a first-time homebuyer, you do not have access to home equity, but you can use your parents' equity on the deposit to buy a house. We don’t even need an appraisal on their home!

You can also leverage existing savings, stock portfolios, or other assets as equity to secure your Home Deposit Guarantee.

We can help supplement your Deposit buying power and increase your deposit limits to make more attractive offers.

Even if you don’t have cash, we can add to your deposit amount to increase your buying power on the market. Home Deposits Now can help you increase your offer to show brokers and sellers that you are a serious buyer, giving you an advantage over others.

Since it is not a loan, you only have to pay a one-off fee, and do not have to make any ongoing interest payments. You can keep your money in the market, paying no penalties or taxes, and can rest easy - not having to worry about another payment.

You have the flexibility to choose between a short-term or a long-term deposit guarantee, depending on whether your closing period is between 3 months or 12 months. If you need more time, you can extend instantly online.

The application is super quick. Sign in, answer a few questions about yourself and the property you’re interested in, and you’re on your way! Most applications are approved in minutes - 90% can be approved in less than 3 hours.

Your personal information is kept safe, and our process is confidential and secure.

You have a much better chance of getting the first house you want with a larger deposit. In today’s hot market, hefty deposits will catch the seller’s attention and get you in the door. If a Seller requires a larger deposit for a house, you and your agent can instantly apply to raise your deposit and have it ready.

Let Home Deposits Now be your ally in the real estate bidding wars!

The biggest disappointment happens not just when you don't get the house you had your heart set on, but also when you miss out on more potential homes due to your deposit being "stuck" in that first offer. This can mean having to run around getting cheques, and new ones for each offer, what a pain!

Your Home Deposit Guarantee can be used to make multiple offers, giving you the flexibility and advantage of instant access. You can update your Guarantee with just a few clicks in our customer portal.