Can You Buy Property Without a Deposit?

Can you buy an investment property without having a large deposit saved? In this episode of the Passive With Property Podcast, Dragan Dimovski and Amanda Calabria explore how buyers with stable employment and strong borrowing capacity may still be able to enter the Australian property market—even if saving a deposit has been difficult. Using the example of a 33-year-old buyer earning $120,000 per year but struggling to save, they explain how an experienced mortgage broker structured a solution where her parents guaranteed only the deposit portion of the loan rather than the entire property purchase. You’ll learn: 👉 How borrowing capacity and deposit requirements are different 👉 Why online borrowing calculators can be misleading 👉 How a broker can reverse-engineer your deposit requirement 👉 How a limited guarantor arrangement may work 👉 Why the guarantor may only secure part of the loan 👉 How future property growth could remove the guarantor 👉 Why the tenant’s rent may help support repayments 👉 The risks guarantors need to understand 👉 Why legal advice and proper contracts are essential 👉 How strategic brokers differ from cookie-cutter brokers 👉 Why buyers should understand the worst-case scenario 👉 How refinancing may help release a guarantor later They also discuss the responsibilities and risks involved when parents, relatives or friends provide financial security. While a guarantor arrangement can help someone purchase sooner, everyone involved must understand their obligations, seek independent legal and financial advice and enter the agreement with clear expectations. The key takeaway is that having no deposit does not always mean you have no options. A knowledgeable mortgage broker may be able to identify lending structures that are not obvious through online calculators or basic bank assessments. 🔥 Listen to the full episode now! ⚠️ Disclaimer: Everything discussed is general in nature and not intended as financial advice. Connect with Buyers Agency Australia 🌐 buyersagencyaustralia.com.au 📞 Book your free 15-minute call → https://propertysession.com.au/15 📘 Order my book → https://buyersagencyaustralia.com.au/book 🎧 Listen to the Passive with Property Podcast: Spotify: https://open.spotify.com/show/2QZ6haVdzgLtqAqDsdpo9R?si=ca07fd2a18d248e3 Apple Podcasts: https://podcasts.apple.com/us/podcast/passive-with-property/id1673633552 Overcast: https://overcast.fm/itunes1673633552