Down payment service
Small deposit, smart structure
A low down payment changes the loan: insurance, rate and monthly payment all shift. We model each combination so you see exactly what 5%, 10% or 15% down means for your budget — before you commit to a number.
We also screen you for first-time buyer programs, employer assistance and local grants that can cover part of the deposit or closing costs.
- 5%-down conventional and government-backed options
- Down-payment assistance and grant screening
- Gifted-deposit paperwork handled for you
What's included
Everything around your deposit
Deposit modelling
Side-by-side monthly costs at 5%, 10%, 15% and 20% down, with insurance included.
Assistance screening
We check every grant, bond program and employer scheme you could qualify for.
Gift letters
Family helping out? We prepare compliant gift documentation lenders accept first time.
Reserve planning
Keep an emergency buffer after closing — we plan the deposit around it, not through it.
Process
From savings to keys in four steps
Savings review
We look at savings, gifts and assistance eligibility in one free call.
Pre-approval
A verified pre-approval stating your deposit position, ready in days.
Offer & appraisal
We coordinate valuation and keep the deposit paperwork airtight.
Close & settle
Final numbers reviewed line by line before you sign anything.
Questions
Down payment FAQs
Not inherently — it means a slightly higher payment and mortgage insurance. We show you the exact cost difference versus waiting, so the trade-off is a decision, not a surprise.
Yes, most loan types allow gifted deposits with a signed gift letter and paper trail. We prepare the documents and confirm acceptability with your lender upfront.
Usually 2–5% of the price on top of the deposit. We budget for every fee early and flag assistance that can cover part of it.
See what 5% down looks like for you
Free consultation, real numbers, no obligation. We'll tell you honestly if waiting or buying now serves you better.
Get Started