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FAQs
Frequently Asked Questions
Most lenders want 20% to avoid LMI; from 1 Oct 2025, eligible first-home buyers can purchase with a 5% deposit and no LMI under the Home Guarantee Scheme (with higher price caps).
LMI is a premium you pay that protects the lender (not you) when you borrow over 80% of the property value.
Pre-approval typically lasts 3–6 months; timing can be anything from minutes to a few weeks depending on the lender and checks.
Yes—Housing Australia’s Home Guarantee Scheme helps eligible buyers with small deposits; from 1 Oct 2025 it has unlimited places, no income caps, and increased property price caps.
Expect ABN/ACN, ID, recent bank statements, financials/BAS, and a basic plan or forecast—exact requirements vary by lender.
ot always: secured loans use assets as security; unsecured loans rely on business performance/guarantees and usually cost more.
It’s a single number that blends the interest rate with most fees so you can compare loans “apples-to-apples”; lenders must use it in ads.