Deposit gap pathway

Through the Community Funding Program, eligible buyers may be able to cover the deposit and upfront costs — including legals and stamp duty — with a separate, repayable deposit loan, while a home loan from an accredited lender covers the rest. The pathway is open across every state and territory in Australia.

How it works
✅ No Obligation, No Documents

Check Your Eligibility

Find out in a couple of minutes whether Springboard’s Community Funding Program could work for you. No cost, no documents needed to start.

Start the Check

What You’ll Get

A Quick Read

Whether you meet the key gates — income, employment, credit and residency.

A Plain-English Explanation

How the Community Funding Program would actually work for your situation.

A Clear Next Step

If you qualify, a preliminary assessment by our licensed Finance team.

What We’ll Ask

Your approximate combined income (the key number is around $150k), your employment situation, whether your credit history is clean, whether you’re an Australian citizen, and roughly where you’d like to buy. You don’t need savings, and you don’t need documents to get an initial read.

Start Your Eligibility Check


    Find out if the Springboard Community Funding Program could work for you. No obligation, no documents needed to start.

    Buying with little or no deposit means borrowing more, and usually taking on a second loan alongside your home loan. Property values can fall, and for a time you may owe more than your home is worth. Repayments on both loans must be met. Consider whether this is right for you, and ask the licensed professionals to explain the risks as well as the benefits before you commit.

    Springboard Homes provides general information only and is not a lender, mortgage broker, financial adviser or financial planner. Credit services under the Community Funding Program are provided by CRE8 Finance Pty Ltd t/a Your Loan Assist, Australian Credit Licence 477483. This is not financial or credit advice. Consider your own circumstances and seek advice from a licensed professional before making any decision.