Sam and Jordan
They Thought Investing Required Years of Saving — Until They Used Their Equity
Key Takeaways
Sam and Jordan, a professional couple earning $200,000 combined, thought buying a $1 million home meant saving a $200,000 deposit. We helped them:
- Secure their home with just a $50,000 deposit
- Avoid over $30,000 in lender’s mortgage insurance
- Structure their loan to meet lender and scheme requirements
- Turned their $50,000 deposit into rapid equity growth of over $50,000 within months
Meet Sam and Jordan
A professional couple earning a combined $200,000 a year who assumed buying a $1 million home would require a massive deposit. Like many buyers, they believed 20% was non-negotiable and that saving $200,000 would take years.
First Home Buyer Guarantee
What they didn’t realise was that, under the Australian Government’s First Home Buyer Guarantee, eligible applicants can purchase with as little as a 5% deposit. That meant Sam and Jordan only needed $50,000 to secure their $1 million home, without paying the lender’s mortgage insurance — a cost that can otherwise exceed $30,000 at that price point. With the right loan structure and eligibility checks guided by first-home buyer lending rules, what initially felt financially out of reach became a realistic and achievable purchase.
Outcome
If you’re earning well but still feel priced out, a quick conversation could uncover options you didn’t even know existed — and fast-track your path to buying sooner than expected.
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Finance that feels human
At Market Brokers, we take the time to understand your situation and goals before recommending a loan structure that works for you.
