About Us
THE PROPERTY GAME’S BROKEN.
At HOWZD, we believe that if you can afford the mortgage, you should get the keys. We’re flipping the script, no deposit and full ownership from day one.
BUYER PROBLEM
CAPABLE, COMMITTED, AND STILL LOCKED OUT.
For some buyers, it’s time. For others, it’s equity tied up in a settlement, a property that hasn’t sold yet, or capital that works harder somewhere else. The common thread isn’t a lack of readiness. It’s a system that only recognises one path to ownership, and HOWZD is here to change it.
Capable buyers are sitting on the sidelines for reasons that have nothing to do with their ability to service a mortgage. A divorce settlement is still being finalised. A downsizer waiting on a sale. An investor who’d rather keep capital liquid. A renter who’s been financially ready for years but can’t hit an arbitrary savings target.
HOWZD is built for all of them.
DEVELOPER PROBLEM
BEAUTIFUL NEW HOMES, SITTING EMPTY
Every day unsold stock sits, it costs developers money. Holding costs, financing costs, and opportunity costs compound quietly while the property waits for a buyer who can clear the deposit hurdle.
The issue isn’t demand. There are finance-capable buyers out there, professionals, investors, downsizers, owner-occupiers, who want the stock but can’t or won’t deploy deposit capital right now. The traditional 20% deposit requirement is cutting developers off from a buyer pool that is larger than it looks.
HOWZD gives developers another option, a structure that brings qualified, motivated buyers to the table, without compromising the integrity of the development.
HOWZD SOLVES TWO PROBLEMS
We created HOWZD to change the game for buyers and developers alike.
If you can service a mortgage, you should be able to own a home. That’s our starting point. So we built a smarter model:
- No 20% deposit needed upfront
- HOWZD facilitates a Deposit Loan that is interest and fee-free for the first 5 years* (comparison rate 6.08% P.A.).
- Full ownership from day one. No shared title, no rent-to-own catch, no shared equity.
At the same time, we help developers move stock faster, unlock capital, and retain value without slashing prices or compromising their product. They share in the benefits while buyers move in.
It’s a better deal on both sides. And frankly, about time.
Subject to credit assessment and eligibility.
ABOUT THE FOUNDERS
MEET THE TEAM FLIPPING THE PROPERTY GAME
HOWZD was founded by a crew who’ve been deep in the trenches of property, finance, marketing, and development — and who all had one thing in common: they were sick of watching good people get locked out of homeownership by an outdated system.
So, they built something smarter.
Between them, they’ve sold out multi-million dollar developments, built high-growth businesses, structured complex finance deals, and sat across the table from banks, buyers, and builders. They’ve seen exactly how the current system works, and more importantly, how it fails the people it’s meant to serve.
They’re not just industry insiders, they’re system challengers. Backed by experience, driven by frustration, and fired up to change the way property gets done in Australia.
With HOWZD, they’ve created a model that helps buyers get in the door faster and helps developers keep moving forward. No middlemen, no fluff, just a smarter, fairer way to own.