I Don’t Have a Big Deposit… Is It Even Possible for Me?

Not long ago, I had a conversation with a lady who was quietly thinking about buying her first home.

She looked at me and said, “I’ve been saving for ages, but I still don’t have a huge deposit. I don’t think it’s even possible for me right now.”

And I could hear what she really meant: “I’m trying my best, but it still feels like I’m behind. Like I’m not ready. Like I’ve missed the boat.”

But here’s what I told her and what I’ll tell you too...

You are not behind. And yes, it is absolutely still possible.

There’s this idea that you need a 20% deposit or a perfect financial history before you can even think about buying a home. And it’s just not true.

We work with people all the time who buy with 5–10% deposits. People who have never spoken to a broker before. People who thought they were “too early” or “too far away” from ever owning a home.

The truth is, there’s no one size fits all path, but there is a path that’s right for you.

Most of the time, it starts with a simple conversation. One where you don’t need to prove anything. You can show up with questions, doubts, even spreadsheets if you want (we have had it happen before!) and we’re here for all of it.

If you’re saving, dreaming, and wondering if this could actually happen for you? You’re already closer than you think.

So here’s what I’ll say to you, just like I said to her:

You don’t need to be perfect on paper.

You don’t need to have all the answers.

And you definitely don’t need to go it alone.

You can do this.

We’ll show you how.