HOME OWNERSHIP
ON your TERMS

At Mini Deposit Home Loans, we specialise in “Home Loans for Young Professionals”.

Our MINI D Loan option offers a unique strategy that allows you to combine borrowing your Home Loan Deposit or shortfall in Deposit with a traditional home loan.

The MINI D Loan product is the Home Loan Deposit “AFTER PAY” option for Young Professionals.

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Is it time to stop paying rent?

Put your family in a position to save paying thousands in wasted rent and LMI (lenders mortgage insurance).

Are you and/or your partner a young professional in:

  • Teaching or Education?
  • Nursing or Health Care?
  • Police or Emergency Services?
  • Accounting, Law, IT or Engineering?
  • Or another suitably qualified profession?
More Information

How does it
work?

Mini Deposit Home Loans in association with Network HQ have developed the MINI D Loan, a unique strategy that allows you to combine borrowing your deposit or shortfall in deposit, with a traditional home loan. The MINI D Loan reduces the need for the traditional Parental Guarantee, Family Pledge, and/or Lenders Mortgage Insurance (LMI).

“It’s the Home Loan Deposit AFTER PAY for Young Professionals”

The strategy allows you to purchase a property without the difficulties and lengthy time frame involved in saving your deposit plus purchase costs. The MINI D Loan is perfectly suited to Borrowers that have a small deposit and/or qualify as “First Home Owners”, and who are keen to move into their own home as soon as possible.

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Chris was great from start to finish. This was our first home so we weren’t sure what was needed. Chris sorted out everything for us and made sure we were happy and understood everything. Highly recommend Chris and will be using him again for our next project.
GlenMooloolaba
John did a great job in supporting us in a time when the big banks just wouldn't. Thank you for giving us a great result and helping us secure our amazing beach pad.
JeromySunshine Beach
John was fantastic. He understood what was most important to us and strived to achieve the best possible outcome. Would definitely recommend John if you are in need of a mortgage broker.
TiaNambour
We didn’t think we were in a position to buy our first home. So we were absolutely thrilled to be told by Ian and Chris we were in fact able to start now!. The guys really worked on our side and found us the best possible home loan, they helped us sort out the legals and paper work. The guys guided us through the whole process. We are excited for the build of our new home to start.
NicolePalmview
A big thank you to Ian and Chris for guiding my wife and I through the process of purchasing our first home. Having these two explain our options with different banks and rates, going through the positives and negatives of each, and answering any questions we had made the process of getting a loan more pleasant than expected. Cheers gentlemen!
AshBuddina
Very easy to work with. Very approachable. Very helpful, even with issues only remotely related, and helped guide us (as complete novices) through the entire process. Very happy with the service and will without hesitation use again. Thank you.
DanielCaloundra
This was my first home loan, and I was nervous to even make the initial call. Ian & Chris were fantastic. They were there for me from beginning to end and always answered my questions, no matter how trivial! I really feel like a valued client. You made my dream of property ownership come true!.
HannahTuan
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"We've saved thousands in interest and now we've got the flexibility to move our home loan when we want."

- Jodie M. - Mooloolaba Qld

Are you ready to enquire about your new home loan options ?

ENQUIRE NOW

The
MINI D Loan
gives you more choices sooner.

One of the biggest roadblocks many people face in purchasing their own home is that traditional banks require the Borrower to provide a 20% deposit plus purchase costs. The 20% deposit plus purchase costs is raised either through personal savings, Parental Guarantee or Family Pledge. If the 20% plus purchase costs cannot be achieved, the traditional alternative is to pay the high premiums for Lenders Mortgage Insurance (LMI).

Our MINI D Loan option can assist you to raise your home loan deposit sooner which will result in you saving many thousands of dollars over the long term, and also will give you better negotiating power with your traditional lenders.

Having a larger deposit will save you paying excessive LMI and will provide you with greater flexibility when it comes to refinancing or transferring your home loan in the future.

Tell me about the benefits.

Quite frankly there are a lot of benefits for having a MINI D Loan. Some of the major benefits Borrowers enjoy include:

  • The elimination for the need for Lenders Mortgage Insurance which will leave more money in your pocket.
  • Provides access to more choices of primary bank lenders which assists you to achieve a better deal on your home loan.
  • Strengthens your ability to negotiate giving you better loan terms and interest rates.
  • Provides you with more flexibility if you want to transfer your home loan to another bank in the future.
  • This ultimately rewards you to move into your own home sooner.
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How does it work?

The MINI D Loan option will allow you to borrow the shortfall amount between your current savings and the deposit amount needed to borrow for your new home.

After being accepted for a MINI D Loan you will be presented with a selection of loans offers outlining the various loan amounts, loan terms and interest rates.

From this selection you are able to choose one or more of the loan offers to suit your individual requirements.

Once you’ve selected the loan options that work for you, we will then complete your home loan applications whilst you start packing and getting ready to move into your new home.

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Ready to get started?

Mini D Loans are best suited to Borrowers who have:

  • a strong desire to buy your own home.
  • a household income over $80,000 p.a.
  • stable employment.
  • a clear credit history.
  • a small deposit and/or qualify as a First Home Owner.
Are you and/or your partner a young professional in:
  • Teaching or Education?
  • Nursing or Health Care?
  • Police or Emergency Services?
  • Accounting, Law, IT or Engineering?
  • Or another suitably qualified profession?

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