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
SAVING A DEPOSIT SHOULDN’T TAKE A DECADE
Whether you’re chasing your first home, upgrading, or adding to your portfolio, the deposit hurdle is the dealbreaker. On average, it takes 8–12 years to scrape together a 20% deposit, and that’s before stamp duty and moving costs.
Government schemes like the First Home Buyer Guarantee help some buyers, but they only cover a small group and still leave you paying interest on 95% of the property from day one. If you don’t fit the narrow criteria, or you’re an investor, you’re on your own.
Meanwhile, capable buyers and potential investors are stuck on the sidelines. Not because they can’t service a mortgage, but because the system demands six figures in the bank before you even get through the door. Outdated, punishing, and completely out of step with how people live and invest today.
DEVELOPER PROBLEM
BEAUTIFUL NEW HOMES, SITTING EMPTY
On the flip side, developers are sitting on high-quality, brand-new homes that aren’t selling, not because there’s no demand, but because deposit-ready buyers are in short supply.
Residual stock is piling up. Holding costs are mounting. And the longer those homes sit unsold, the more capital is tied up, slowing down the next project. Traditional sales channels aren’t keeping up, and discounts can erode the brand value of great developments.
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 deposit needed upfront
- HOWZD facilitates a 20% Deposit Loan that is interest and fee free for the first 5 years*.
- 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 upside while buyers move in.
It’s a better deal on both sides. And frankly, about time.
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.