{"id":705,"date":"2022-10-20T20:03:33","date_gmt":"2022-10-20T20:03:33","guid":{"rendered":"https:\/\/www.nerdwallet.com\/au\/?page_id=705"},"modified":"2024-04-02T19:05:30","modified_gmt":"2024-04-02T19:05:30","slug":"how-much-for-house-deposit","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/au\/home-loans\/how-much-for-house-deposit","title":{"rendered":"How much do you need for a house deposit?"},"content":{"rendered":"\n

Making the great Aussie homeownership dream a reality starts with saving for a deposit \u2014 typically 5% to 20% of the total cost of the mortgage. A deposit is not only an essential prerequisite for getting most home loans but also lets a prospective lender know that you\u2019re serious about obtaining and servicing a mortgage<\/a>.\u00a0\u00a0\u00a0\u00a0<\/p>\n\n\n\n

What is a house deposit?<\/h2>\n\n\n\n

A house deposit<\/a>, or a home loan deposit, is\u00a0the home buyer\u2019s initial contribution to the total purchase price of a property. A deposit of some size is a compulsory part of the property-purchasing process for first home buyers<\/a> in virtually all circumstances. Deposits lessen the risk to the lender of the buyer defaulting and leaving them needing to recover the entire value of the property, and it demonstrates the buyer\u2019s commitment to save and honour their mortgage contract.\u00a0<\/p>\n\n\n\n

The larger the deposit, the less money you\u2019ll need to borrow to purchase the property, which also means that you’ll save a large amount in interest payments<\/a> over the course of your mortgage. There are no limits to the size of the deposit you can place at the start of your loan process, but it\u2019s highly unusual for a first-home buyer <\/a>to have more than 20% of the total cost of the property saved at the commencement of the mortgage.<\/p>\n\n\n\n

How much deposit do you need for a home loan?<\/h2>\n\n\n\n

A typical deposit consists of anything from 5%-20% of the total cost of the mortgage or home loan<\/a>. If, for example, you are buying a $300,000 property and you put down a 10% deposit, the deposit amount will be $30,000, meaning you will need to borrow the remaining $270,000 from the lender. <\/p>\n\n\n\n

In Australia, there are two ways of purchasing a residential property: through a private sale (also known as a private treaty) or through an auction, where the property is put up for sale, and the highest bidder wins the right to purchase it.\u00a0<\/p>\n\n\n\n

Deposits for private sales<\/h3>\n\n\n\n

In private sales, the buyer pays the seller or the seller\u2019s real estate agent the deposit around the date on which the sale contract is exchanged. However, there is often some flexibility around this, and the buyer can have up to seven days to pay the deposit, as long as both parties agree. The remainder of the property\u2019s sale price, or principal, is then due on the settlement date, usually six weeks after the initial contracts are signed.<\/p>\n\n\n\n

Deposits for auction properties<\/h3>\n\n\n\n

For a property purchased at auction, the selling agent is required to inform bidders what the deposit percentage is \u2014 usually 5%-10% of the winning bid price. The contract is signed at the conclusion of the bidding process, and the deposit is usually due on the same day. For the buyer, especially a first home buyer, this doesn\u2019t mean their lender will take the amount required on the day as the deposit, it\u2019s just what the seller requires immediately following the auction.\u00a0<\/p>\n\n\n\n

The minimum deposit for a house<\/h3>\n\n\n\n

Mortgage terms and conditions vary between lenders, but as a general rule of thumb, the minimum amount they will require from a first-home buyer is 20%. But even a 5% deposit is possible with some lenders<\/a>.\u00a0<\/p>\n\n\n\n

Additionally, the size of a deposit will depend on the amount you want to borrow<\/a> and the length or term of the mortgage. Deposit requirements for second or third investment properties are generally far less stringent, as they usually involve using the equity<\/a> (the amount you already own in your first property) in the purchase process.<\/p>\n\n\n\n

Generally, the bigger, the better when it comes to deposits on home loans from lenders.\u00a0<\/p>\n\n\n\n

Benefits of a large deposit<\/h2>\n\n\n\n

Lenders favour larger deposits from first home buyers even if it means less profit for them over the mortgage term, because it demonstrates an ability to manage finances.\u00a0<\/p>\n\n\n\n

You’ll avoid lenders’ mortgage insurance<\/h3>\n\n\n\n

Additionally, most lenders have become more risk averse in increasingly uncertain post-Covid economic times and will require you to take out lenders’ mortgage insurance (LMI) <\/a>from a third-party insurer if your deposit is less than 20% of the property\u2019s cost, meaning your loan-to-value ratio is above 80%. <\/p>\n\n\n\n

Mortgage insurance protects the lender if you default on the loan. The money you spend on it is money you don\u2019t get back, so try to avoid paying it if at all possible. Some lenders offer LMI waivers for smaller deposits, but usually only for high-earning professionals in certain sectors, such as legal, financial services and medical.\u00a0<\/p>\n\n\n\n

One way to avoid mortgage insurance is to find a family member willing to go as a guarantor<\/a> on your loan. In this scenario, they agree to guarantee or make your loan repayments if you are unable to make them in the future. You and your prospective guarantor will need to think about this carefully. Going guarantor places a lot of responsibility on them, as they are usually required to offer some sort of financial security, like their own property, as a guarantee on your mortgage.<\/p>\n\n\n\n

You’ll save money over the life of your mortgage<\/h3>\n\n\n\n

Remember, the bigger the deposit, the less you have to borrow, which means potentially huge savings over the life of a mortgage. <\/p>\n\n\n\n

Using a loan calculator from any lender\u2019s website will reveal how the numbers speak for themselves. Let\u2019s say you want a home loan for a $350,000 property over a 20-year mortgage term with only a 10% deposit. The amount you\u2019ll need to borrow is $315,000, and with current interest rates at 3.99% (at the time of writing), the total repayment amount will be $457,723, including $142,723 in interest repayments<\/a>.<\/p>\n\n\n\n

If, on the other hand, you have a deposit of 20% and you only need to borrow $280,000 under the same conditions, your total repayments will be only $406,865, with total interest repayments of only $126,865, saving $16,000 in interest repayments alone over the course of the mortgage<\/a>.<\/p>\n\n\n\n

House prices across Australia have been steadily falling for a couple of months, and this trend is likely to continue, at least in the short term. So under these circumstances, it\u2019s better to hold off taking out a mortgage and maximise your deposit in the meantime. Conversely, if the market were to rebound and real estate prices started going through the roof again, you may want to think about getting your foot in the door sooner rather than later.<\/p>\n\n\n\n

\u00bb MORE:<\/strong> Should you buy or rent?<\/a><\/p>\n\n\n\n

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\n\t\t\tAbout the Author\t\t<\/h4>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tAlan Hartstein<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t

Alan Hartstein has worked in publishing for over 25 years as a writer and editor across broadsheets, tabloids, magazines, trade publications and numerous forms of digital content. Alan was initially…<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tRead more about Alan Hartstein and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t

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\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t
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\n\t\t\t\n\t\t\"How\t<\/a>\n\t\t\t
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\n\t\n\t\tHow Much Can I Borrow for a Home Loan?\t<\/a>\n<\/h4>\n\n\t
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Instead of focusing on how much the bank will let you borrow, you should focus on what you can actually afford. <\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
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\n\t\t\t\t\"\"Alan Hartstein<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"Home\t<\/a>\n\t\t\t
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\n\t\n\t\tHome Equity: What It Is and How to Use It\t<\/a>\n<\/h4>\n\n\t
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Anyone who has a home likely has some equity built up. While it may not seem like a lot if you\u2019re a new homeowner, equity can grow over time and benefit you since it could increase your net worth.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Alan Hartstein<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"LVR\t<\/a>\n\t\t\t
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\n\t\n\t\tLVR Meaning: What Is Your Loan-to-Value Ratio?\t<\/a>\n<\/h4>\n\n\t
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LVR (loan-to-value ratio) compares the loan amount to the value of a home. A lower LVR means less risk to the lender, which can lead to lower interest rates and a greater chance of approval. <\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Alan Hartstein<\/a>Georgia Rose profile photoGeorgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"17\t<\/a>\n\t\t\t
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\n\t\n\t\t17 Types Of Home Loans For Buyers, Investors And Property Owners\t<\/a>\n<\/h4>\n\n\t
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Know the common home loan types for Australian buyers, investors and property owners so you can choose the best option for you.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Alan Hartstein<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"

A house deposit, or a home loan deposit, is your initial contribution to the total purchase price of a property \u2014\u00a0typically 5%-20%.<\/p>\n","protected":false},"author":4,"featured_media":712,"parent":171,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[7],"topic":[278],"cluster":[339],"pp_author":[94],"acf":[],"apple_news_notices":[],"yoast_head":"\nHow much do you need for a house deposit? 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