The realestate.com.au Housing Affordability Report 2026 found an average-income household saving 20% of its income would now take the equivalent of six years to save a 20% deposit on a median-priced home, up from 5.8 years in FY25.

Six years is a long time to save, particularly when a 20% deposit isn’t necessarily required to buy a home.

Upfront deposit requirements can vary depending on:

• The lender

• The specific loan product

• Your individual financial circumstances

This can be particularly relevant if you’re self-employed, have a less-than-perfect credit history or don’t meet standard bank lending criteria.

Alternative lenders like Direct Credit Home Loans may assess your circumstances differently, so it can be worth looking beyond standard bank lending criteria when exploring your finance options.

#firsthomebuyers #homeloans #propertydeposit

Ready to explore your property finance options?

If you’re working towards buying a home and want to understand the finance options available for your circumstances, Direct Credit Home Loans can help. Contact us on (07) 3726 1124 or email [email protected] to discuss your options.