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Don't have cash deposit upfront?

What are my options?

If your cash is tied up in investments or equity and not readily accessible, there are a number of options that can help you buy your next home sooner.

You may be able to use a guarantee from your spouse or family (supported by a mortgage over their property, or a term deposit) as equity to assist you with your home purchase. These are generally referred to as family guarantees.

Another option is a Deposit Protect Bond, which acts as a substitute for an actual cash deposit. It’s useful if your cash is tied up or you’re buying and selling simultaneously and waiting on sale proceeds or investments maturing. You can use a Deposit Protect Bond at multiple auctions or by private treaty. 

Of course if you’re keen to do it by yourself we have a range of savings and investment accounts to help you save your deposit.

Review your options: