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Stuck renting because you can't save for a deposit?
You could own your home today with a 0% deposit, shared equity home loan. Zeroo deposit? Zeroo worries.
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It takes an average of 11 years to save for a home deposit.
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Find out what your home could be worth
Own with Zeroo, with no deposit
We provide a loan for 100% of the home purchase price, so you can buy today, not in a decade.
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No deposit
That's right. We provide a loan for 100% of the property, you'll pay 0% deposit. Get into your home sooner without saving for years
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High growth properties
Find the right property with AI-driven property selection tools.
Competitive interest rate
One simple, blended home loan with a highly competitive interest rate.
Minimal expenses
All you need is a 2.2% customer contribution to cover settlement costs.
- Title search fee
- Property valuation and reports
- Buyers agent fees
- Pest and building inspection
- Conveyancing fee
- Legal cost and documentation
- Settlement closing costs
- Administration fees
Shared equity model
Benefit from property appreciation from day one as you grow equity in your property, and share in the upside. Once the property has gained sufficient value, we help you refinance. We take 10% of the new property value, the remaining equity is your new deposit.
How Zeroo Compares
Standard bank home loan
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Grow your deposit with your equity
We’ll help you buy now, then watch your equity sprout. Once your home has value has grown, we’ll help you refinance and share in the harvest. Zeroo takes a small slice of the crop, but you keep the tree - and all the remaining harvests.
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Find high-growth properties
Using our proprietary AI-driven property insights, we will help you find a high-growth home you'll love. Our property tool does the heavy lifting, analysing hundreds of data points to identify growth suburbs and properties with strong long-term potential.
It’s designed specifically for owner-occupiers, like you, to make smarter home-buying decisions. So what are you waiting for - let's get you home!
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Get started in less than a minute
Check your eligibility
Fill out a quick form to see if you're eligible for a 0% deposit, shared equity home loan. It takes less than 1 minute.
Chat to an expert
Speak to our team about the nitty-gritty, and how we can help you get into a home!
Here comes the finance
Our digitised loan application process is designed to make your life easier, once we've got your application we can arrange fast conditional approval.
Let's get you home!
We'll help you find a home you love and soon enough you'll be collecting those moving boxes and settling in!
Flexible exit
We'll keep an eye on your property's growth. Once your property increases in value, we’ll assist you in refinancing using your equity as the new deposit.
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Find out how much you're eligible to borrow, with 0% deposit.
Buying tips and insights
Discover the latest information and resources on the Australian property market, loan types, and everything you need to make your dream home a reality.
