[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2026\/04\/04\/what-deposit-do-you-need-to-buy-a-property-in-australia-2026-guide\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2026\/04\/04\/what-deposit-do-you-need-to-buy-a-property-in-australia-2026-guide\/","headline":"What Deposit Do You Need to Buy a Property in Australia? (2026 Guide)","name":"What Deposit Do You Need to Buy a Property in Australia? (2026 Guide)","description":"What Deposit Do You Need to Buy a Property in Australia? (2026 Guide) Watch this video on YouTube. One of the biggest myths in property is: You need a 20% deposit to buy The reality? You can often buy with much less Can You Buy with Less Than 20%? Yes \u2014 in many cases: \u2714 \u2026 <a class=\"read-more\" href=\"https:\/\/truthgroup.com.au\/2026\/04\/04\/what-deposit-do-you-need-to-buy-a-property-in-australia-2026-guide\/\" aria-label=\"Read more about What Deposit Do You Need to Buy a Property in Australia? (2026 Guide)\">Read: What Deposit Do You Need to Buy a Property in Australia? (2026 Guide)<\/a>","datePublished":"2026-04-04","dateModified":"2026-07-09","author":{"@type":"Person","@id":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/#Person","name":"Nicholas Parpis","url":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/","identifier":216551164,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Truth Group Pty Ltd","logo":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/i0.wp.com\/truthgroup.com.au\/wp-content\/uploads\/2026\/04\/image-4.png?fit=1024%2C768&ssl=1","url":"https:\/\/i0.wp.com\/truthgroup.com.au\/wp-content\/uploads\/2026\/04\/image-4.png?fit=1024%2C768&ssl=1","height":768,"width":1024},"url":"https:\/\/truthgroup.com.au\/2026\/04\/04\/what-deposit-do-you-need-to-buy-a-property-in-australia-2026-guide\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=fWdCQJEHOrM#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=fWdCQJEHOrM","name":"What Deposit Do You Need to Buy a Property in Australia? (2026 Guide)","description":"Do you really need a 20% deposit to buy a property in Australia?\n\nMost buyers think the answer is yes \u2014 but the reality is, you may be able to buy with as little as 5% depending on your situation.\n\nIn this video, I break down how deposits actually work in 2026, what lenders look for, and how you can potentially get into the market sooner with the right strategy.\n\nWhat You\u2019ll Learn:\nHow much deposit you need to buy property in Australia\nWhether you can buy with a 5% or 10% deposit\nWhat Lenders Mortgage Insurance (LMI) is and when it applies\nThe real costs involved beyond your deposit\nHow to structure your loan and strategy properly\nKey Insight:\n\nYou don\u2019t always need a 20% deposit \u2014 but you do need the right strategy.\n\nUnderstanding your full financial position can help you buy sooner and avoid unnecessary delays.\n\nHow Truth Group Pty Ltd Can Help\n\nAt Truth Group, I help you understand your full position \u2014 not just your deposit.\n\nI assist with:\n\u2714 Borrowing power assessment\n\u2714 Deposit strategy and planning\n\u2714 Loan structuring and lender selection\n\u2714 Buyer\u2019s agent services (property search & acquisition)\n\u2714 Aligning finance with the right property\n\nFinance + property strategy in one place\n\nNext Step:\n\nNot sure how much deposit you actually need?\n\nMessage me \u201cDEPOSIT\u201d and I\u2019ll help you:\n\nWork out your real deposit requirements\nUnderstand your borrowing power\nBuild a strategy to buy sooner\n\nSubscribe for More:\nHome loan tips\nProperty buying strategies\nBorrowing power insights\nInvestment property guidance\n\n#firsthomebuyer  #propertyaustralia  #homeloanaustralia  #deposit  #mortgagebrokersydney  #buyersagentsydney  #australianproperty  #homebuyingtips  #propertyinvesting  #financefirst","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/fWdCQJEHOrM\/default.jpg","https:\/\/i.ytimg.com\/vi\/fWdCQJEHOrM\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/fWdCQJEHOrM\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/fWdCQJEHOrM\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/fWdCQJEHOrM\/maxresdefault.jpg"],"uploadDate":"2026-04-04T10:21:54+00:00","duration":"PT56S","embedUrl":"https:\/\/www.youtube.com\/embed\/fWdCQJEHOrM","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg#Organization","url":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg","name":"Truth Group Pty Ltd","description":"Truth Group is a Sydney Buyers Agent and Mortgage Broker helping home buyers, first home buyers and property investors make smarter property decisions.\n\nI\u2019m Niko, a licensed Buyers Agent based in Sydney, helping clients find the right property, negotiate confidently and structure their finance correctly.\n\nOn this channel you\u2019ll discover:\n\n\ud83c\udfe1 Sydney Buyers Agent advice\n\u2022 What properties are really worth\n\u2022 Sydney suburb comparisons\n\u2022 Auction and negotiation strategies\n\u2022 First home buyer tips\n\u2022 Property buying mistakes to avoid\n\n\ud83d\udcb0 Mortgage & Finance Guidance\n\u2022 Home loans and refinancing\n\u2022 Borrowing power strategies\n\u2022 Preparing to buy property\n\u2022 Understanding lender requirements\n\nWe help clients with:\n\u2705 Established homes\n\u2705 House & land packages\n\u2705 Investment properties\n\u2705 Residential & commercial property\n\u2705 Home loan solutions\n\nServing Sydney and Australia-wide.\n\n\ud83d\udccd Hoxton Park, Sydney\n\ud83c\udf10 truthgroup.com.au\n\nSubscribe for weekly Sydney property insights, buyer strategies and finance tips.\n","logo":{"url":"https:\/\/yt3.ggpht.com\/6cfbKmHc32AQQ7Jvy8Uk8-gTgkKgXKQ-ntmPlJQwqFyRcDmR-1UVKvPvSqhmucy6vnM6a5UNSz4=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=fWdCQJEHOrM#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=fWdCQJEHOrM#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=fWdCQJEHOrM&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=fWdCQJEHOrM#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":6}]]},"about":["Latest Post"],"wordCount":246,"articleBody":"What Deposit Do You Need to Buy a Property in Australia? (2026 Guide) Watch this video on YouTube..wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_3, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_3[data-kb-block=\"kb-adv-heading42843_782474-4d_3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_3[data-kb-block=\"kb-adv-heading42843_782474-4d_3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_3[data-kb-block=\"kb-adv-heading42843_782474-4d_3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}One of the biggest myths in property is:.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_4, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_4[data-kb-block=\"kb-adv-heading42843_782474-4d_4\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_4[data-kb-block=\"kb-adv-heading42843_782474-4d_4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_4[data-kb-block=\"kb-adv-heading42843_782474-4d_4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}You need a 20% deposit to buy.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_5, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_5[data-kb-block=\"kb-adv-heading42843_782474-4d_5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_5[data-kb-block=\"kb-adv-heading42843_782474-4d_5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_5[data-kb-block=\"kb-adv-heading42843_782474-4d_5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The reality?.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_6, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_6[data-kb-block=\"kb-adv-heading42843_782474-4d_6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_6[data-kb-block=\"kb-adv-heading42843_782474-4d_6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_6[data-kb-block=\"kb-adv-heading42843_782474-4d_6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}You can often buy with much less.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_7, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_7[data-kb-block=\"kb-adv-heading42843_782474-4d_7\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_7[data-kb-block=\"kb-adv-heading42843_782474-4d_7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_7[data-kb-block=\"kb-adv-heading42843_782474-4d_7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Can You Buy with Less Than 20%?.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_8, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_8[data-kb-block=\"kb-adv-heading42843_782474-4d_8\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_8[data-kb-block=\"kb-adv-heading42843_782474-4d_8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_8[data-kb-block=\"kb-adv-heading42843_782474-4d_8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Yes \u2014 in many cases:.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_9, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_9[data-kb-block=\"kb-adv-heading42843_782474-4d_9\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_9[data-kb-block=\"kb-adv-heading42843_782474-4d_9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_9[data-kb-block=\"kb-adv-heading42843_782474-4d_9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u2714 5% deposit (first home buyers)\u2714 10% deposit (common scenario)\u2714 20% deposit (avoids LMI).wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_10, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_10[data-kb-block=\"kb-adv-heading42843_782474-4d_10\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_10 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_10[data-kb-block=\"kb-adv-heading42843_782474-4d_10\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_10 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_10[data-kb-block=\"kb-adv-heading42843_782474-4d_10\"] img.kb-inline-image{width:150px;vertical-align:baseline;}It depends on your situation and lender.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_11, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_11[data-kb-block=\"kb-adv-heading42843_782474-4d_11\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_11 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_11[data-kb-block=\"kb-adv-heading42843_782474-4d_11\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_11 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_11[data-kb-block=\"kb-adv-heading42843_782474-4d_11\"] img.kb-inline-image{width:150px;vertical-align:baseline;}What Happens If You Have Less Than 20%?.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_12, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_12[data-kb-block=\"kb-adv-heading42843_782474-4d_12\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_12[data-kb-block=\"kb-adv-heading42843_782474-4d_12\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_12[data-kb-block=\"kb-adv-heading42843_782474-4d_12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}You may need to pay Lenders Mortgage Insurance (LMI).wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_13, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_13[data-kb-block=\"kb-adv-heading42843_782474-4d_13\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_13 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_13[data-kb-block=\"kb-adv-heading42843_782474-4d_13\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_13 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_13[data-kb-block=\"kb-adv-heading42843_782474-4d_13\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This protects the lender, not you.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_14, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_14[data-kb-block=\"kb-adv-heading42843_782474-4d_14\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_14[data-kb-block=\"kb-adv-heading42843_782474-4d_14\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_14[data-kb-block=\"kb-adv-heading42843_782474-4d_14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}But it can allow you to:\u2714 Enter the market sooner\u2714 Avoid waiting years to save more.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_15, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_15[data-kb-block=\"kb-adv-heading42843_782474-4d_15\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_15 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_15[data-kb-block=\"kb-adv-heading42843_782474-4d_15\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_15 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_15[data-kb-block=\"kb-adv-heading42843_782474-4d_15\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Other Costs to Consider.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_16, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_16[data-kb-block=\"kb-adv-heading42843_782474-4d_16\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_16 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_16[data-kb-block=\"kb-adv-heading42843_782474-4d_16\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_16 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_16[data-kb-block=\"kb-adv-heading42843_782474-4d_16\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Your deposit isn\u2019t the only cost:Stamp dutyLegal\/conveyancingBuilding &amp; pest inspectionsLoan fees.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_17, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_17[data-kb-block=\"kb-adv-heading42843_782474-4d_17\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_17[data-kb-block=\"kb-adv-heading42843_782474-4d_17\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_17[data-kb-block=\"kb-adv-heading42843_782474-4d_17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_18, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_18[data-kb-block=\"kb-adv-heading42843_782474-4d_18\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_18 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_18[data-kb-block=\"kb-adv-heading42843_782474-4d_18\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_18 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_18[data-kb-block=\"kb-adv-heading42843_782474-4d_18\"] img.kb-inline-image{width:150px;vertical-align:baseline;}These all need to be factored in.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_19, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_19[data-kb-block=\"kb-adv-heading42843_782474-4d_19\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_19 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_19[data-kb-block=\"kb-adv-heading42843_782474-4d_19\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_19 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_19[data-kb-block=\"kb-adv-heading42843_782474-4d_19\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Why Strategy Matters More Than Deposit Size.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_20, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_20[data-kb-block=\"kb-adv-heading42843_782474-4d_20\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_20 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_20[data-kb-block=\"kb-adv-heading42843_782474-4d_20\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_20 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_20[data-kb-block=\"kb-adv-heading42843_782474-4d_20\"] img.kb-inline-image{width:150px;vertical-align:baseline;}I\u2019ve seen buyers delay for years trying to hit 20%\u2026.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_21, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_21[data-kb-block=\"kb-adv-heading42843_782474-4d_21\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_21 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_21[data-kb-block=\"kb-adv-heading42843_782474-4d_21\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_21 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_21[data-kb-block=\"kb-adv-heading42843_782474-4d_21\"] img.kb-inline-image{width:150px;vertical-align:baseline;}When they could have entered earlier.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_22, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_22[data-kb-block=\"kb-adv-heading42843_782474-4d_22\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_22 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_22[data-kb-block=\"kb-adv-heading42843_782474-4d_22\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_22 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_22[data-kb-block=\"kb-adv-heading42843_782474-4d_22\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The key is:Structuring your loan properlyChoosing the right lenderUnderstanding your full costsFinal Thoughts.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_23_0, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_23_0[data-kb-block=\"kb-adv-heading42843_782474-4d_23_0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_23_0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_23_0[data-kb-block=\"kb-adv-heading42843_782474-4d_23_0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_23_0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_23_0[data-kb-block=\"kb-adv-heading42843_782474-4d_23_0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Final Thoughts.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_24, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_24[data-kb-block=\"kb-adv-heading42843_782474-4d_24\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_24 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_24[data-kb-block=\"kb-adv-heading42843_782474-4d_24\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_24 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_24[data-kb-block=\"kb-adv-heading42843_782474-4d_24\"] img.kb-inline-image{width:150px;vertical-align:baseline;}You don\u2019t always need a large deposit to buy property..wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_25, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_25[data-kb-block=\"kb-adv-heading42843_782474-4d_25\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_25 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_25[data-kb-block=\"kb-adv-heading42843_782474-4d_25\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_25 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_25[data-kb-block=\"kb-adv-heading42843_782474-4d_25\"] img.kb-inline-image{width:150px;vertical-align:baseline;}But you do need the right strategy.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_26, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_26[data-kb-block=\"kb-adv-heading42843_782474-4d_26\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_26 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_26[data-kb-block=\"kb-adv-heading42843_782474-4d_26\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_26 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_26[data-kb-block=\"kb-adv-heading42843_782474-4d_26\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_27, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_27[data-kb-block=\"kb-adv-heading42843_782474-4d_27\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_27[data-kb-block=\"kb-adv-heading42843_782474-4d_27\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_27[data-kb-block=\"kb-adv-heading42843_782474-4d_27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If you\u2019re unsure how much deposit you need:.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_28, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_28[data-kb-block=\"kb-adv-heading42843_782474-4d_28\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_28 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_28[data-kb-block=\"kb-adv-heading42843_782474-4d_28\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_28 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_28[data-kb-block=\"kb-adv-heading42843_782474-4d_28\"] img.kb-inline-image{width:150px;vertical-align:baseline;}At Truth Group Pty Ltd, I help you:\u2714 Understand your borrowing power\u2714 Work out your deposit requirements\u2714 Structure your loan correctly\u2714 Find the right property (buyer\u2019s agent support).wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_29, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_29[data-kb-block=\"kb-adv-heading42843_782474-4d_29\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_29 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_29[data-kb-block=\"kb-adv-heading42843_782474-4d_29\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_29 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_29[data-kb-block=\"kb-adv-heading42843_782474-4d_29\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Finance + property strategy aligned.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_30, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_30[data-kb-block=\"kb-adv-heading42843_782474-4d_30\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_30 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_30[data-kb-block=\"kb-adv-heading42843_782474-4d_30\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_30 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42843_782474-4d_30[data-kb-block=\"kb-adv-heading42843_782474-4d_30\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Message me \u201cDEPOSIT\u201d and I\u2019ll break it down for you"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2026","item":"https:\/\/truthgroup.com.au\/2026\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"04","item":"https:\/\/truthgroup.com.au\/2026\/\/04\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"04","item":"https:\/\/truthgroup.com.au\/2026\/\/04\/\/04\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"What Deposit Do You Need to Buy a Property in Australia? (2026 Guide)","item":"https:\/\/truthgroup.com.au\/2026\/04\/04\/what-deposit-do-you-need-to-buy-a-property-in-australia-2026-guide\/#breadcrumbitem"}]}]