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A home loan with 5% deposit These types of loans are similar to the low-deposit home loans described above. However, more lenders offer 5% home loans than no-deposit home loans, so borrowers that can save this minimal deposit level have an increased range of lenders to choose from. A home loan with a self-managed super fund Borrowers in SMSFs can use some of these funds as an alternative to using their savings for a deposit. However, these funds can only be used for an investment property, not for a residential home. There are also strict rules regarding how any borrowing using an SMSF needs to be set up. Borrowers considering using their SMSF in this way should seek professional accounting and legal advice before making any decision. The bottom line No-deposit home loans have higher potential levels of risk than other types of loan products in the market. Taking out any home loan is a major financial decision. It is worthwhile for borrowers to seek professional advice to identify the most appropriate option for their individual financial circumstances.
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