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Our way - the RealWay, is to be with you every step along the way. From initial consultation, to settlement and many years beyond, we wish to make your experience of property purchasing easy, unique, educational and exciting. We take care of all the paperwork and are always available to answer questions along your way!
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Everyone is unique, same as financial situation and choice. Decision you make today will make huge difference to your future. That’s why we are here, helping you get ready for today and plan for tomorrow. We take time to listen to your needs, assess your financial ability, structure the right loans and help you to make decision that you will not regret in the years to come.
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At RealWay Finance, we dream your dream.
We provide mortgage broking services to property investors and home buyers. We help, advise and empower our clients along the journey of property investing, through our professional knowledge, hands-on experience and real passion.
RealWay, your way, our way.
Junmin (Eric) Wu
Director, Mortgage Broker at RealWay Finance Pty Ltd
Junmin (Eric) WU is a credit representative (490993) of Mortgage Specialists Pty Ltd (Australian Credit Licence 387025)
MFAA Full Member Number 304158
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Property Investors
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At RealWay, we are investors ourselves so we understand the journey you're on.
We take the time to understand your goals, and your strategies to get there through property investing. We find the right loans and structure them correctly to suite your strategies.
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The best loans and rates for your needs
Every home owner is different. We make sure we understand your needs in a home loan for your unique situation. This could be fixed, variable, a mixture or just the loan with the lowest interest rate. We make sure we advise you on your options and what will be of greatest benefit to you now - and in the future.
Refinancing
Save on your current rate or access your equity
We do complimentary checks on your loan(s) to see if you can get a better loan product, access equity or should change banks to get a better deal.
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5% Deposit Scheme helps more than 300,000 Aussies buy a first home
Buying a first home doesn’t have to mean years of eating beans on toast while you scrape together a 20% deposit. Here’s how you could break into the property market with just a 5% deposit.
The Australian government’s 5% Deposit Scheme has been around since 2020, and in that time it’s been a game-changer for more than 300,000 first home buyers.
That’s because the scheme offers a chance to buy a first home with a 5% deposit – or as little as 2% for single parents.
The scheme has also helped fund the construction of close to 30,000 new homes.
So, it’s no surprise thatmore than one-in-three first home buyers relied on the scheme to buy a place of their own in 2024-25.
If you’re unsure whether the 5% Deposit Scheme is the right pathway to home ownership for you, read on as we take a closer look at what’s involved.
How the 5% Deposit Scheme works
The scheme overcomes a key challenge for first home buyers – saving a 20% deposit at a time when property values in many areas are continuing to rise.
While plenty of lenders offer low deposit home loans, if you have a deposit below 20% you’ll typically be asked to pay lenders mortgage insurance (LMI) which can cost thousands of dollars.
That’s part of the beauty of the 5% Deposit Scheme – the federal government guarantees your home loan, meaning there’s no need to pay LMI.
There are also no waitlists, no income limits and no place limits.
You’re free to buy an established home or build a new place – as long the property falls within the price limits that apply in your area.
Long story short, if you meet eligibility criteria, and can chip in a minimum 5% deposit (or 2% if you’re a solo parent), the scheme could bring forward your savings timeline, and fast-track your journey to home ownership.
Mix and match with other first home buyer incentives
The 5% Deposit Scheme can be combined with other types of first home buyer assistance, no matter whether they are offered through federal, state or territory governments.
These incentives include the First Home Owner Grant (FHOG), which provides a one-off grant in most states and territories to first home buyers who buy or build a new home.
Stamp duty waivers or concessions may also be available to you. And the First Home Super Saver Scheme could let you grow a deposit using your super.
The possible downsides
The 5% Deposit Scheme may be a great help. But it still makes sense to talk to us.
A smaller deposit often means taking out a bigger loan. It can also mean it takes time to build a reasonable level of home equity, and this can make it harder to refinance to a different mortgage further down the track.
That’s why your choice of home loan is so important.
Call us to be sure you’re comfortable with the numbers, and for help finding a home loan that matches your needs.
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
