Deposit strategy slider
- Deposit$80,000
- Loan$720,000
- Repayments$4,197/mo
- Savings remaining$1,500
Putting every dollar into the deposit is not always the best strategy, a buffer matters.
Free calculator
How big should your deposit be?
Slide between 5% and 20%, then test buying now against saving longer.
Should I buy now or keep saving?
Buy now
- Deposit—
- Loan—
- Repayments—
- Savings left—
Wait 12 months
- Extra saved—
- Deposit—
- Loan—
- Repayments—
Assumes the same property price and rate in both cases, prices, rates and your circumstances can move either way. General information only, not advice.
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An estimate, not credit advice. A broker review against real lender policy usually moves the number. No credit check. No obligation. Your details are never sold.
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Calculators estimate. Brokers confirm.
Bring your numbers to a 20‑minute conversation and leave with a borrowing range a lender could actually stand behind.
