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Please ensure you have a minimum of $25k saved if you are a first home buyer, or can get $25k by gift, or sale of assets. Alternatively if you have a guarantor that is willing to assist with the purchase then only $10k is required.
If you have owned previously, the minimum deposit is $45k or a guarantor that is willing to assist with the purchase.
The savings DO NOT need to be genuine savings i.e. they can be gifted from family, an inheritance, or from the sale of assets.
If you don’t have the minimum required in savings, we can still help by providing you access to our financial fitness program to help you reach your target savings goal.
If you are single with no dependants and no debts, you must be earning a minimum of $120k per annum before tax.
If you are single with dependants or debts, then a minimum of $140k per annum before tax is required.
If you are a family with dependants, you must be earning a minimum $130k per annum before tax (not including any income from Centrelink).

Step 1: Pre-qualification form