The Death of the Deposit.
Invest With Your Income. Not Your Savings.
A new way to consider property — whether you are buying your first home or building an investment portfolio. Powered by AffordAssist Interest-Free Deferred Deposit Solution.
You may be closer to home ownership than you think.
For many renters, the biggest obstacle is not making regular repayments — it is finding a large cash deposit while paying rent and living life. You can work hard, pay rent on time and have reliable income, yet still feel stuck.
Traditional advice says to save 10% or 20% of a purchase price. That target can be difficult when rent, bills, transport, food, children and unexpected costs compete with every pay cycle.
This book asks: "If I can responsibly afford to own, is a conventional cash deposit my only possible structure?"
"The question is not simply 'How long will it take me to save?' It is also 'What happens to my goal while I wait?'"
Buy Sooner. Borrow Less.
The AffordAssist Interest-Free Deferred Deposit Solution changes how part of the purchase price may be structured. It does not remove the need for affordability — it creates a different, responsible path.
Buy Sooner
Eligible buyers may explore home ownership without waiting to save an entire traditional cash deposit. With deposits from just $1,000, your dream of owning a home could be closer than you think.
Borrow Less
An agreed Deferred Amount can reduce the amount required from an interest-charging bank Home Loan or mortgage. The arrangement is separate from your bank loan and is interest-free.
One Home. A Clear Funding Structure.
- Your available cash — starting from $1,000 upfront
- Bank Home Loan assessed separately by the lender
- $20,000 FHOG for eligible first-home buyers (new homes)
- AffordAssist arrangement — deferred amount paid over time
- 100% title ownership at settlement
Kiss the Landlord Goodbye
Your path to home ownership — without being held back by a traditional cash deposit. The most helpful first step is understanding what may be possible.
Get Clarity
Review your income, spending, debts, savings and credit position. Understand what may be possible.
Explore Eligibility
We assess your situation against AffordAssist requirements, lender criteria and property suitability.
Structure Your Path
Combine your cash contribution, bank home loan, government grants and AffordAssist arrangement.
Own Your Home
Receive 100% title ownership at settlement. Manage your mortgage and deferred payments over time.
The Wealth Retention Playbook
How strategic capital retention may support residential property investment while preserving liquidity and optionality.
Invest With Your Income. Not Your Savings.
Powered by AffordAssist — Interest-Free Deferred Deposit Solution
The InvestAssist Model
InvestAssist applies an AffordAssist arrangement to the investment-property context. Its strategic objective is to help eligible investors consider retaining capital that might otherwise be contributed as a cash deposit.
Where a traditional purchase may involve contributing a substantial cash deposit, InvestAssist considers whether an investor can retain more capital while acquiring property through an agreed purchase-price structure.
Illustrative investor contribution
Illustrative mortgage-interest difference
Illustrative payoff acceleration
Traditional vs. InvestAssist
| Metric | Traditional | InvestAssist |
|---|---|---|
| Investor contribution | $75,000 | $1,000 |
| Deferred Amount | — | $74,000 |
| Capital retained | $0 | $74,000 |
| Bank Home Loan / mortgage | $675,000 | $675,000 |
| Total mortgage interest | ~$782,000 | ~$500,000 |
| Repayment period | 30 years | ~24 years |
Based on a $750,000 property price at 6% p.a. mortgage rate. Figures are illustrative only, not forecasts or guarantees. All bank lending is subject to lender credit criteria.
Retain Your Capital
Keep $74,000 in your hands instead of locking it into property equity at acquisition.
Offset Account Strategy
Retained capital in an eligible offset account may reduce mortgage interest dollar for dollar.
100% Property Exposure
Full property exposure at $750,000 — property performance is linked to market conditions, not the source of your contribution.
Financial Resilience
Retained liquidity may provide flexibility for property costs, income changes or future opportunities.
Why Choose AffordAssist?
A responsible, structured path to home ownership for eligible Tasmanian renters.
Deposits from $1,000
Start your home ownership journey without needing a traditional 10-20% cash deposit.
Interest-Free Deferred Deposit
An agreed portion of the purchase price is paid over time — interest-free through AffordAssist.
100% Title Ownership
You receive full title ownership at settlement under a standard contract of sale.
Buy Sooner, Borrow Less
Stop watching property prices rise while you save. Explore ownership now.
$20,000 First Home Owner Grant
Eligible Tasmania first-home buyers building or purchasing new homes may access the FHOG.
Authorised Representative
Buy Invest Live is your authorised AffordAssist representative in Tasmania.
The Cost of Waiting
When you are renting, you are meeting your present housing costs while saving for a future home. Property values can rise, fall or remain unchanged. If they rise, the dollar amount represented by a percentage deposit can also rise.
No one can predict a market. The decision to wait is also a financial decision — and an opportunity to find out whether another responsible route may be available now.
When the Target Moves (Illustration)
Figures are illustrative only. Not a forecast or guarantee. Property values may rise, fall or remain stable.
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