25 Jul HOW TO RENTVEST WITH ZERO DEPOSIT
For years, first-home buyers have been told that rentvesting is the smarter way to go. Buy where you can afford, live where you want. It’s been the go-to workaround for a market that demands a huge deposit just to get started.
But in 2025, a new strategy is rewriting the rules. It’s called HOWZD, and it means you don’t have to save a deposit to start rentvesting.
That’s right — you can get on the property ladder with an investment property and rent where you want to live, with zero deposit.
What is Rentvesting (And Why It Works)?
Rentvesting is when you buy an investment property in a location you can afford, and rent in the suburb you actually want to live in. It’s been a popular tactic for first-home buyers priced out of their dream postcodes.
You build equity while maintaining lifestyle flexibility. And if the property grows in value, you’re on your way to building wealth.
But until now, rentvesting required a big upfront commitment: a deposit. Usually 20% of the purchase price.
HOWZD Lets You Rentvest with $0 Upfront
With HOWZD, you can buy a brand-new apartment or townhouse with no deposit.
The platform facilitates a 20% interest-free loan for the first five years*. You borrow the remaining 80% with a standard mortgage.
That means:
- You don’t need to save a deposit
- You get full ownership from day one
- You can rent the property out from day one
No government restrictions. No shared equity. No catch.
Real Example: How It Works
Let’s say you want to start rentvesting by buying a $700,000 new townhouse in a growth corridor.
- Normally, you’d need around $140,000 deposit (20%) plus, cover stamp duty and other transaction costs
- With HOWZD, you need $0 in deposit (you will still need to cover stamp duty and other transaction costs)
- You get an interest-free Deposit Loan of $140,000 for 5 years*
- You service the 80% mortgage and can rent the property out
You can then live wherever you want, while your investment starts working for you immediately.
You’re in Control
You don’t need to move into the property. HOWZD allows rentvesting from day one. Unlike government schemes like FHBG, there are no rules requiring you to live in it.
That means you can:
- Buy in a high-yield area
- Rent it out for cash flow or long-term growth
- Still live in your preferred suburb (rented)
What Happens After Five Years?
You can repay the 20% Deposit Loan at any time. However, after five years, interest begins to accrue on the unpaid portion, and an Extension Fee is charged. However, we’ll try to help you repay it before the 5-year mark using any capital growth or savings you have made throughout the 5 years.
Who Is It For?
This strategy is ideal for:
- First home buyers who haven’t saved a deposit
- Investors wanting to get in without selling other assets
- Renters who want to stop missing out on market gains
Start Rentvesting Now
If you thought you had to wait years to save a deposit before investing in property, think again. HOWZD lets you start rentvesting today — with no upfront deposit.
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