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Paul and Bernadette had been doing everything "right" . Two incomes, two kids, careful budgeters. But after years of renting in Perth, the deposit goal post kept moving.
Renting at $850 a week and saving on top, they were still looking at roughly a decade before a traditional 20% deposit would be within reach.
A new way to get on the property ladder
In December 2024, Paul and Bernadette used Zeroo's 0% deposit home loan to buy their first home for $476,000 and from settlement day, their repayments started building equity instead of disappearing into someone else's mortgage.
By April 2026, their home was valued at $695,000, a 46% increase, and $219,000 in equity built in just 16 months.
With market growth and mortgage repayments building their equity, they refinanced into a standard home loan, with a deposit they once thought was a decade away.
The cost of waiting
Imagine if Paul and Bernadette had decided to keep renting and try to save for their deposit.
Over those same 16 months, they would have paid around $55,000 in rent. Money gone, not built into anything.
The home they bought for $476,000 would now cost them $695,000, leaving them further from having their deposit, not closer.
This is exactly what Zeroo was built for, getting you into the market with a structure that lets your repayments work for you.
If you're staring down the same deposit gap Paul and Bernadette were, the question isn't whether you can save your way there. It's can you afford to wait while the market moves on without you?
*Paul and Bernadette's results are based on their individual circumstances. Your outcome will depend on your property, market conditions, and personal situation. Lending criteria, fees and terms apply.
Could you be next?
Book a call with the Zeroo team and we'll walk you through it, just like we did with Paul and Bernadette.
