Overview
OwnHome provides low deposit home loans for Australian buyers who can afford mortgage repayments but have not saved a full 20 per cent deposit. Its Deposit Boost loan funds the gap so buyers can purchase at up to 100 per cent of the price without lenders mortgage insurance, alongside a standard 80 per cent home loan from a lender of the buyer's choice. The boost runs over 15 years with no lock-ins, early repayment or exit fees, and the Low Deposit Premium that replaces LMI is refundable until exchange. A buyer's agent service is included when the premium is paid upfront, and an investment option is available to first home buyers. OwnHome holds its own Australian Credit Licence and is backed by investors including CBA's X15 Ventures and NAB Ventures.
Source: ownhome.com. Last checked 23 October 2026.
Written by PropAtlas from public information. Work at OwnHome? Claim this profile to correct or expand it.
Categories
Features
- Deposit Boost loan
- 0 to 10 per cent deposit options
- No lenders mortgage insurance
- Choice of main lender
- Included buyer's agent
- Three-minute eligibility check
Best fit for
OwnHome is for Australian owner-occupier buyers, especially first home buyers, who can service a mortgage but lack a 20 per cent deposit.
Frequently asked questions
- What is OwnHome?
- OwnHome provides low deposit home loans for Australian buyers who can afford mortgage repayments but have not saved a full 20 per cent deposit. Its Deposit Boost loan funds the gap so buyers can purchase at up to 100 per cent of the price without lenders mortgage insurance, alongside a standard 80 per cent home loan from a lender of the buyer's choice. The boost runs over 15 years with no lock-ins, early repayment or exit fees, and the Low Deposit Premium that replaces LMI is refundable until exchange. A buyer's agent service is included when the premium is paid upfront, and an investment option is available to first home buyers. OwnHome holds its own Australian Credit Licence and is backed by investors including CBA's X15 Ventures and NAB Ventures.
- Who is OwnHome built for?
- OwnHome is for Australian owner-occupier buyers, especially first home buyers, who can service a mortgage but lack a 20 per cent deposit.
- Where is OwnHome based?
- OwnHome is headquartered in Sydney and was founded in 2021.
Not a fit if you need
Owner-occupied homes only (investment limited to first home buyers), subject to approval, with a Low Deposit Premium of up to 2.2 per cent of the price (minimum AUD 9,500).
Industries served
UK markets
Security & certifications
Self-reported by the vendor; not yet checked by PropAtlas.
Alternatives to OwnHome
Other UK vendors in the same category that buyers often compare with OwnHome.
ACES provides quality control and audit software helping mortgage lenders and other financial institutions manage loan quality, compliance and operational risk.
Cloud-based mortgage ecosystem platform that streamlines property application tracking, ID/Kyc, and broker-lender origination.
ActiveComply provides compliance software for lenders and real estate firms to monitor social media, archive records and inspect branches.
Advocate automates insurance compliance reviews from origination through servicing for real estate lenders.