{"id":19,"date":"2025-11-07T08:13:12","date_gmt":"2025-11-07T08:13:12","guid":{"rendered":"https:\/\/wordpress5.design-services-online.com\/iga\/?page_id=19"},"modified":"2025-11-13T12:03:14","modified_gmt":"2025-11-13T12:03:14","slug":"deposit-for-home-buyers","status":"publish","type":"page","link":"https:\/\/wordpress5.design-services-online.com\/iga\/deposit-for-home-buyers\/","title":{"rendered":"Deposit for Home Buyers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"19\" class=\"elementor elementor-19\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-87a066a elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"87a066a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;bounceInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2b29323\" data-id=\"2b29323\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0673c48 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0673c48\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-04a7bb3\" data-id=\"04a7bb3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-95c31c9 elementor-widget elementor-widget-image\" data-id=\"95c31c9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"309\" height=\"436\" src=\"https:\/\/wordpress5.design-services-online.com\/iga\/wp-content\/uploads\/2025\/11\/Group-53.png\" class=\"attachment-large size-large wp-image-38\" alt=\"\" srcset=\"https:\/\/wordpress5.design-services-online.com\/iga\/wp-content\/uploads\/2025\/11\/Group-53.png 309w, https:\/\/wordpress5.design-services-online.com\/iga\/wp-content\/uploads\/2025\/11\/Group-53-213x300.png 213w\" sizes=\"(max-width: 309px) 100vw, 309px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ab40af elementor-widget elementor-widget-heading\" data-id=\"7ab40af\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Deposit for Home Buyers <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e550e73 elementor-widget elementor-widget-text-editor\" data-id=\"e550e73\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Saving for a property deposit is often one of the most daunting steps in the home-buying journey. Between rising home prices, inflation, longer saving times and stricter lending rules, many buyers just feel stuck. The good news? At <span style=\"color: #000000;\"><strong>Investment Group Australia<\/strong>,<\/span> we\u2019re here to help you navigate the deposit challenge\u2014and create a clear, actionable path forward.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a27ce07 elementor-widget elementor-widget-heading\" data-id=\"a27ce07\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The Deposit Challenge: What\u2019s Making It Hard<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94d86fa elementor-widget elementor-widget-text-editor\" data-id=\"94d86fa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>According to recent data from PEXA, in NSW average home-buyers now need almost 8 years to save for a deposit, compared with just over 4 years in 2020.<\/li><li>Research from the Australian Housing and Urban Research Institute (AHURI) highlights that it\u2019s not just high prices \u2014 the challenge is deeper: wage growth has lagged, debt burdens have grown, and the saving + borrowing equation is tougher than ever.<\/li><\/ul><p>In short: you\u2019re not alone if you\u2019re worried about building a deposit \u2014 the landscape has shifted, and what used to be a \u201creasonable savings period\u201d is now significantly longer and more complex.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cd3ba9 elementor-widget elementor-widget-heading\" data-id=\"7cd3ba9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How We Help with the Deposit: Your Pathway Through<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c2ef96 elementor-widget elementor-widget-text-editor\" data-id=\"5c2ef96\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>At <span style=\"color: #000000;\"><strong>Investment Group Australia<\/strong><\/span> we believe the deposit shouldn\u2019t be a roadblock \u2014 it\u2019s a step we\u2019ll guide you through. Here\u2019s how we support you:<\/p><ol><li><span style=\"color: #000000;\"><strong>Tailored Deposit Strategy<\/strong><\/span><br \/>We assess your individual situation: your work\/income, savings history, current debts, assets, goals. From there we map a bespoke plan for your deposit \u2014 whether it\u2019s saving steadily, leveraging family support, looking at guarantor options, or exploring low-deposit loan programs.<\/li><li><span style=\"color: #000000;\"><strong>Access to Smart Loan Options<\/strong><\/span><br \/>We help you identify lenders and products that accept lower deposits (with appropriate safeguards). We explain the trade-offs (like higher LVR and potential LMI), ensure you understand the risks, and help you aim for the best feasible outcome in your circumstance.<\/li><li><span style=\"color: #000000;\"><strong>Pre-planning &amp; Cost Preparation<\/strong><\/span><br \/>The deposit isn\u2019t the only cost: there are stamp duty, conveyancing\/legal fees, loan establishment costs, possibly LMI, and more. We walk you through the full cost picture (so no surprises) and help you budget for it. We also help you structure your savings so you\u2019re \u201cloan-ready\u201d when an opportunity appears.<\/li><li><span style=\"color: #000000;\"><strong>Triggering the Purchase, Not Just Saving<\/strong><\/span><br \/>We know time matters. While you\u2019re building savings, we\u2019re also positioned to act when the right property shows up. Because we handle the finance side, the purchase side and the conveyancing side (via our broader service set), you can move when an opportunity presents \u2014 rather than only waiting.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3589f8 elementor-widget elementor-widget-heading\" data-id=\"e3589f8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Why Start with Us Now?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41e2e5f elementor-widget elementor-widget-text-editor\" data-id=\"41e2e5f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Getting in sooner rather than later often means you benefit from <em>time in the market<\/em> (for capital growth or stability) rather than just waiting while property prices continue to climb.<\/li><li>We guide you to minimise risk: smaller deposit doesn\u2019t mean \u201cwild risk\u201d; it means strategic risk with proper planning, good serviceability and smart structuring.<\/li><li>With our combined service offering (deposit planning \u2192 home\/investment loan \u2192 buyers\u2019 agency \u2192 conveyancing) you remain supported throughout the journey.<\/li><\/ul><p>At <span style=\"color: #000000;\"><strong>Investment Group Australia<\/strong><\/span> we specialise in helping homebuyers move from \u201cI\u2019m saving\u201d to \u201cI\u2019m buying\u201d by removing uncertainty and building clarity.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98627ba elementor-align-right elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"98627ba\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/wordpress5.design-services-online.com\/iga\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book A Consulation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Deposit for Home Buyers Saving for a property deposit is often one of the most daunting steps in the home-buying journey. Between rising home prices, inflation, longer saving times and stricter lending rules, many buyers just feel stuck. The good news? At Investment Group Australia, we\u2019re here to help you navigate the deposit challenge\u2014and create [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-19","page","type-page","status-publish","hentry","entry"],"_links":{"self":[{"href":"https:\/\/wordpress5.design-services-online.com\/iga\/wp-json\/wp\/v2\/pages\/19","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wordpress5.design-services-online.com\/iga\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/wordpress5.design-services-online.com\/iga\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/wordpress5.design-services-online.com\/iga\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wordpress5.design-services-online.com\/iga\/wp-json\/wp\/v2\/comments?post=19"}],"version-history":[{"count":40,"href":"https:\/\/wordpress5.design-services-online.com\/iga\/wp-json\/wp\/v2\/pages\/19\/revisions"}],"predecessor-version":[{"id":646,"href":"https:\/\/wordpress5.design-services-online.com\/iga\/wp-json\/wp\/v2\/pages\/19\/revisions\/646"}],"wp:attachment":[{"href":"https:\/\/wordpress5.design-services-online.com\/iga\/wp-json\/wp\/v2\/media?parent=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}