3 Ways to Buy Sooner (Even If You Think You’re Not Ready)

Think you’re not ready to buy your first home?

You might be closer than you think.

At Nude Home Loans, we talk to first home buyers every week who assume they need to wait — for more savings, better income, or the “right time.”

But with the right strategy, you could buy months (or years) sooner than expected.

Here are 3 ways our clients are getting into the market faster — and how you might be able to do the same.

🏠 1. Use a Government Scheme to Skip LMI

If you’re saving for a 20% deposit to avoid Lenders Mortgage Insurance (LMI)... you could be waiting forever.

Instead: Use a government-backed scheme like:

• First Home Guarantee: Buy with 5% deposit and no LMI

• Family Home Guarantee: Single parents buy with just 2%

Why it works:

• You don’t need a massive deposit

• You save $10k–$30k+ in LMI costs

• You get into the market now (instead of waiting and watching prices rise)

Nude Tip: These spots are limited — we help you secure one quickly and painlessly.

💰 2. Use Your Super (Without Touching It)

We’re talking about the First Home Super Saver Scheme (FHSSS).

How it helps:

• You contribute extra into your super

• It gets taxed at 15% instead of your income tax rate

• You withdraw it later (up to $50k) to use as a deposit

You’ll save faster thanks to tax perks — and most clients don’t even notice it coming out of their pay.

Perfect for: Buyers who want to buy in 12–24 months and want to boost their savings without budget pain.

👨‍👩‍👧 3. Get Help From a Guarantor or Gifting Family

Don’t have the full deposit? You’re not alone.

If you have supportive parents or family, there are two ways they can help:

Option A: Gifted deposit

• They gift you some or all of the deposit (no strings attached)

• We provide them with the right declaration forms

Option B: Guarantor loan

• A family member uses equity in their property to secure your loan

• You can often borrow 100% of the purchase price — with no LMI

Both options can shave years off your savings timeline.

And we help you set it up safely, legally, and clearly.

🏡 Real Example: Leo & Anna in Melbourne

• Had $22k saved

• Thought they needed another 3 years to save enough

We:

• Qualified them for the First Home Guarantee

• Combined that with a $10k FHOG

• Got them into a $560k townhouse with no LMI

They moved in 5 months after our first chat.

“We didn’t think we had a shot. Turns out we just needed the right advice.”

✅ Let’s See How Soon You Could Buy

We’ll look at your income, deposit, and plans — then show you:

• Every scheme and shortcut you’re eligible for

• What you could buy right now

• What steps would make it happen faster

👉 [Book your free fast-track session with Nude Home Loans]

Stop waiting. Start planning.