Shared equity is a smarter way to buy your home sooner.

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Instead of saving a massive deposit, Zeroo helps you get into the property market today. We help you with a loan for 100% of the purchase price of the property. We'll also help you find a home you live in a high growth location. You own your home from day one, and over time, as your property grows in value, you build equity.

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When there’s enough growth, we help you refinance into a regular home loan. Zeroo takes a small share of the new property value and steps out — you stay in your home and keep the rest.

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It’s a partnership that helps you buy now, grow faster, and own more over time.

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We’ve got your back from day one. With Zeroo, you can buy your home with no deposit. We cover 100% of the purchase price, including what would normally be your deposit.
You’ll contribute the regular settlement costs and stamp duty if applicable, and we’ll provide one simple, competitive home loan.

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Over time, as your home grows in value, you’ll build equity. Once there’s enough, we help you refinance into a regular home loan, and that’s when Zeroo exits. We then take a small share (10%) of the property’s new value to help the next home buyer get started. You keep the rest. You’ve effectively earned your deposit through your home’s growth.

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If you meet our eligibility requirements, we can help you get into a home without a deposit. This means we'll provide a loan for 100% of the property purchase price. We'll also help you choose a home in a high growth location so you can build equity faster. Zeroo is designed for households with good income and a good credit history.

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Our eligibility requirements include:
- A household income greater than $130,000 per year
- All applicants are under the age of 55
- Been working in the same industry for at least 2 years
- A credit score of 650 for an individual of 750 as a joint application (we can help you understand your credit score with a soft credit check that won't impact your credit score)
- No recent defaults
- Low existing debts (we can help you consolidate debts)

Refinancing with Zeroo is simple. We’ll keep track of your home’s value over time, and once there’s enough growth, we’ll help you refinance into a standard home loan.

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At that point, Zeroo takes a small share (10%) of the new property value and exits — you keep the rest. You don’t need to sell or move out. Our goal is to help you stay in your home, with more equity in your pocket.

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Our team will do our best to find you the right home in a high growth area. If your home hasn’t grown enough in value when it’s time to refinance, we can extend the timeframe. Our goal is to help you build equity over time.

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We’ll keep tracking your property’s performance and guide you through the best next steps when the time’s right.

Yes — absolutely! It’s your home, so it’s important that you love it.

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Our team works with you to find a property that suits your lifestyle and meets our high-growth criteria. We’ll help you make smart choices so you can feel confident you’re buying a home that works for you today and sets you up for the future.

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Yes,  it’s your home. Zeroo isn’t on the title, and you have full ownership from day one. Want to paint the walls, renovate the kitchen, or plant a veggie garden? Go for it, it’s all yours.

No, don’t have to be a first home buyer! A lot of our customers are first home buyers looking to get their foot on the property ladder.  

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If you’re an owner occupier, looking for a home to live in, then we can help you.

The application process is simple:

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1. Check your eligibility using our online form.

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2. Meet with one of our lending specialists where we'll help you do a soft credit check to understand whether Zeroo is right for you (it won't affect your credit score) and answer any questions.

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3. Fill in the loan application form. Our team are here to help you.

The 2.2% customer contribution covers all of the settlement costs associated with buying a property. This includes building and pest inspections, property valuation reports, conveyancing and legal costs, bank application fees, buyers agent and real estate agent fees. 

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Zeroo makes this easy by arranging these services where possible with our preferred suppliers. 

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Yes — definitely! Working with Zeroo doesn’t stop you from accessing any first home buyer grants or concessions.

In fact, we encourage it. Every bit helps reduce your upfront costs and get you into your new home sooner.

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