NO DEPOSIT HOMES

We can get you into a home with no savings.

With costs rising across the board, saving a deposit for your first home can feel out of reach. But if you’re hoping to buy a home in Victoria with no savings, you’re not alone, and we’ve got a way forward.

At FIS, we support first home buyers in Victoria to step into new homes sooner, even if they haven’t saved a deposit. Thanks to our exclusive builder relationships and access to government incentives, home ownership might be more achievable than you think.

QUICK ASSESSMENT
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VICTORIA

No Deposit Homes

View Standard Inclusions

Available on No Deposit Homes

 

 

NO DEPOSIT HOMES

Why Choose Our ‘No Savings’ Pathway?

We’ve built this service for everyday Victorians who are ready to stop renting and start owning, but haven’t had the chance to build up savings.

Here’s how we make it possible:

Grants and Builder Contributions
You may be eligible for the Victoria First Home Owner Grant, and when you combine that with extra incentives from our partnered builders, you could unlock up to $70,000 in support to get into your first home faster. We’ve done the groundwork, so you don’t have to.
Quality Homes in Growth Areas
We work alongside builders like Prosperity Residential to deliver high-quality homes in some of Victoria’s fastest-growing locations, including: Wyndham Region, Melton, Region, Donnybrook, Mickleham, Kalkallo, Beveridge, Sunbury, Hume Region. These areas offer long-term value and strong community infrastructure, ideal for first home buyers.
End-to-End Support
From checking your eligibility to matching you with the right builder and helping with paperwork, our team is here every step of the way. We simplify the process so you can focus on getting ready to move in.

QUICK ASSESSMENT

REQUIREMENTS

What’s The Catch?

We like to keep things real. To qualify, you’ll need to:

  • Have a stable job and meet the bank’s lending criteria
  • Not have any serious credit issues
  • Show you can afford repayments (rent history may help)
  • Purchase through one of our approved builder partners
  • Complete our quick 1 min online
assessment below to find out if you qualify
Quick Assessment

CONTACT

(02) 8001 6369
Queensland OfficeSuite 4/3990 Pacific Highway, Loganholme
Melbourne OfficeLevel 2, 1 Southbank Blvd Southbank, 3006, VIC

Victoria Quick Assessment Form

Frequently Asked Questions

Can I apply if I’m paying rent?
Yes, and your rental history can actually strengthen your application!

Is this only for Melbourne?
No, we have options available throughout Victoria, including: Wyndham Region, Melton Region, Donnybrook, Mickleham, Kalkallo, Beveridge, Sunbury and Hume Region.

How much support can I get?
Depending on your situation, you could access up to $70,000 in combined builder and government grants.

Do I need perfect credit?
Not necessarily. We’ll assess your situation and help you understand where you stand.

Find Out if You Qualify Today

Complete the 1-Minute Assessment