Low-Deposit & High-LVR Home Loans

Ditch the 20% Rule. Get into the Property Market Sooner.

Saving a traditional 20% deposit in today’s market can feel like trying to hit a moving target. While you save, property prices keep climbing.

At Lendable, we don’t believe you should have to put your life on hold for years just to accumulate a massive upfront deposit. With a Low-Deposit / High-LVR Loan, you can unlock the door to homeownership much earlier than you think.

  • MORE THAN JUST A MORTGAGE BROKER

What Is a High-LVR Loan?

LVR stands for Loan-to-Value Ratio. It’s the percentage of the property’s value that you need to borrow.

A traditional loan usually caps your borrowing at an 80% LVR, meaning you need a 20% deposit.

A High-LVR loan allows you to borrow up to 90%, 95%, or in some specific cases, 98% of the property’s value.

By utilising a high-LVR option, your required deposit shrinks significantly, allowing you to stop renting and start building equity in your own home.

  • FIND A SOLUTION

Modern Pathways to Low-Deposit Buying

Because Lendable is completely independent, we look far beyond the Big Four banks to find secondary lenders offering flexible, high-LVR options. We can help you navigate alternative pathways, including:

  • Lenders Mortgage Insurance (LMI): Capitalising LMI into your total loan amount so you don’t have to pay for it out of pocket upfront.
  • First Home Buyer Schemes and Government Grants: Tapping into government initiatives that allow eligible buyers to bypass LMI entirely with as little as a 5% deposit.
  • Guarantor Loans: Leveraging a family member’s equity to secure a 100% loan-to-value ratio without needing a cash deposit.
  • Specialty Lenders: Like Keystart in Western Australia specialise in high LVR lending and no LMI.
  • Shared Equity Options: Allow borrowers to get into a home with as little as 2% deposit and the government sharing ownership up to 40% of the value of the home.

Why Choose Lendable For Your Low-Deposit Journey?


We Think Outside the Box

If the traditional route doesn’t work for you, we lean into creative strategies to find a lender hungry for your business.


No Bank Jargon

We break down every rate, high-LVR fee, and feature upfront so you know exactly what your commitments are.


We Move Fast

The property market doesn’t wait, and neither do we. We’ll assess your real borrowing power in minutes.

Client Reviews

Buying a home is one of the biggest financial moves you’ll ever make, and we’re committed to making the process simple, strategic, and stress-free. From first home buyers getting into the market sooner to investors growing their portfolios with confidence, our clients’ reviews reflect what we stand for: clear advice, genuine support, and brokers who go the extra mile to make things happen.

Ready to See What’s Possible?

You might be closer to buying your home than you think. Let our team crunch the numbers and find a high-LVR solution tailored to your actual financial situation.