May need statutory declarations and parked funds timelines—sometimes non-refundable.

Often difficult to trace—expect friction.

Parent “advance” instead of gift?

Structuring matters for policy—document trail early with your broker.

Australia-wide home lending · Speak directly with Bishnu Adhikari

Help guide

Genuine savings evidence for low-deposit loans

Why lenders want to see savings patterns, common acceptable sources, gifts and rental history exceptions—policy varies.

Lenders want evidence you can save beyond a one-off windfall—mitigates early default risk in higher LVR bands.

Regular deposits over months beat a sudden lump-sum story unless exempted.

Rental repayment history programmes, proceeds from downsizing within policy, FHOG timing—tell your broker early.

Settlement deadlines vs FHOG timelines trip people — align broker, solicitor and banker calendars deliberately.