25 Jul NO DEPOSIT? NO PROBLEM. HERE’S HOW IT WORKS IN 2025.
For decades, getting into the property market in Australia has meant one thing: saving a massive deposit. For most buyers, that means scrimping, sacrificing, and renting for years just to get to the starting line. But in 2025, that old playbook is getting a serious upgrade.
Enter HOWZD.
HOWZD is flipping the property game on its head by helping buyers access brand-new homes with zero deposit and full ownership from day one. No interest on the deposit for five years. No shared title. Just you, your name on the deed, and the keys in your hand.
Let’s break down how it works, and why more buyers—including investors and second-home purchasers—are using HOWZD to unlock the market, faster.
HOWZD: OWN THE HOME, NOT JUST THE HUSTLE
The big idea behind HOWZD is simple: if you can afford the mortgage, you should get the home.
With HOWZD, the platform facilitates a 20% deposit loan that is interest-free for the first five years. The buyer secures a regular 80% home loan from a bank or lending partner, covering the rest. No deposit required. No upfront catch. And no equity-sharing, ever.
The buyer gets full ownership rights from day one. That means you can live in it, rent it out, renovate it, or sell it — without restrictions.
If you pay back the 20% loan within five years:
- You owe no interest
If you don’t repay within five years:
- Interest starts accruing on the outstanding amount from year six (at a low, transparent rate)
- The loan remains fixed at 20% of the original property price, regardless of property value
Unlike other schemes, there’s no means testing, no income caps, and you don’t need to be a first-time buyer. You just need to be able to service the 80% mortgage.
WHO CAN USE HOWZD?
The better question: who can’t?
Unlike government schemes that are only for first home buyers, HOWZD is open to anyone who:
- Can service an 80% loan
- Wants to buy a brand-new apartment or townhouse
- Hasn’t saved the full deposit (yet)
That includes:
- First home buyers who can’t meet the 5% deposit hurdle
- Second-home buyers looking to upsize or downsize without tying up their equity
- Investors who want to expand their portfolio without sacrificing liquidity
- Foreign buyers (subject to FIRB approval)
In fact, savvy investors are already using HOWZD to secure high-quality property now, while prices are still on the rise, and before new government or interest rate changes make entry even harder.
THE BOTTOM LINE
In 2025, the way into the property market is changing.
If you’re looking for flexibility, speed, and full ownership with zero deposit, HOWZD is the smarter way in.
Whether you’re a first-timer, an investor, or just tired of being locked out by the deposit gap, it’s time to stop waiting and start owning.
No Comments