You’ve saved your deposit, found a property and are ready to make yourself at home. It’s a big commitment with a lot of change. The good news is we’re here to help try and make the move to home ownership that bit easier.

We won’t hold that unpaid phone bill against you before you start climbing the property ladder. Our flexible approach to credit assessment means we’ll consider small credit issues when we assess your application. It’s just one of the ways we see the real you when the big banks might just see numbers. Talk to us about your situation and if we can find a way to help, we will.

We don’t just look at the black and white boxes on your application. We make the effort to get to know the person behind the application and understand your personal circumstances. 

We ask the questions that matter and uncover the reasons behind any small credit issues on your credit report. This allows us to assess your application in-line with our responsible lending obligations and make an informed decision on your ability to repay your loan. What this means, is you could still apply for a Link Home Loan even with a less-than-perfect credit history.

Saving your deposit is often the hardest part of buying your first property. But the good news is that we may be able to help after you’ve saved your 20% deposit. You’ll also need some funds in reserve for conveyancing and legal fees – and don’t forget about any new furniture or decor you’ll want to buy!

We may also be able to help if you’ve recently been gifted all or part of your deposit; for example, if it’s through inheritance, or a very generous family member.

Information and interest rates are correct as at 19 October 2023 and subject to change at any time. Offers and promotions may be continued, withdrawn, or changed at any time without notice.

* Offer applies to ‘New Build’ Prime, Near Prime and Specialist Full Doc home loan applications with LVR >80-85%. Available for Metro security locations only. A New Build is a property where the borrower has made a financial and legal commitment to buy in the form of a purchase contract with the builder, prior to the property being built or at an early stage in construction. This could be traditional ‘construction lending’ where the loan is disbursed in staged payments, or it could be a loan to finance the purchase of a property, which will be settled (in one payment) once the build is complete Or a newly-built entire dwelling completed less than six months before the mortgage application. The dwelling must be purchased from the original developer (the contract to buy at completion can be agreed while the building is still being constructed).

Information provided on this website is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require tax or financial advice, contact a tax adviser or get in touch with one of our licenced financial advisers..

All applications are subject to credit assessment, loan eligibility criteria and lending limits. Terms, conditions, fees and charges apply. The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.