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Own your future

No deposit? No parental help? We’ve got you. We cover your deposit and stamp duty, up to 25%. Stop renting—own your home today!

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Own your future

Buying your first home doesn't have to be a hassle. No deposit? No help from parents? We're here for you. We provide up to 25% of the property cost for your deposit and stamp duty. Stop wasting money on rent—own your home today!

Why Mondus

"Mondus" means "the world" in Latin, symbolising that a home is more than just a house—it's where memories are made. We make homeownership possible for all Australians by covering your deposit and stamp duty. Facing housing affordability challenges? We're here to help.

Why rent when you can own with Mondus?

Use our calculator below to see how much better off you would be after 5 years of owning your property.

Stop putting money in your landlord's future and step into home ownership with only 2.2% contribution.

Invest in yourself, not your landlord.
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Your monthly costs, compared
$363,634
Your average monthly rent with increase over 5 years
$6,061
$363,634
Your fixed monthly cost to buy with Mondus (no deposit/stamp duty, that simple)
$410,514
$6,842
Your asset, your growth
Your home value after 5 years
$1,270,423
Your 60% share of the price increase of your home
$222,254
Mondus 40% share of the price Increase
Mondus now exits, using your equity as the new deposit for refinancing, leaving you with full ownership
- $148,169
You only need 2.2% deposit
Includes: Title search, property valuation, bank fees, buyer’s agent, inspections, conveyancing, legal, and settlement.
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Title Search Fee.
Property Valuation and Reports.
Primary Bank Application Fee.
Buyers Agents Fee.
Pest and Building Inspection. Conveyancing Fee.
Legal Cost and Documentation.
Settlement Closing Costs.
Administration Fees.
$148,169
This is how much better off you are owning your own home
Your total equity after 5 years which includes your 60% equity and principle repayments.
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$248,241
 Equity and principal repayment  | 65.6% LVR

Own your future—Start today!

Mondus Capital
No deposit required and stamp duty covered

You’ll need 2.2% upfront
You can include your first home owners government grants which varies by state, typically $10,000 to $20,000 for new homes. Some regions offer extra incentives for regional areas.
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Standard Bank

20% deposit home loan
and up to 5% for
stamp duty required
Home loan type
Up to 105% Loan to Value Ratio (LVR) home loan
Home loan type
80% LVR home loan
Deposit required
$0
Deposit required
20%
Customer Contribution Fee
2.2%
Initial fee
$685
Buyer’s agent
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Included
Buyer’s agent
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Not included
Loan size limit
Up to
$3 millon
N/A
Stamp duty
Covered by Mondus
Stamp duty
Up to 5%
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Just 2.2% upfront

Minimise your initial expenses. With only 2.2% of the property's value, you can begin your homeownership journey.

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We accept any home loan

Mondus will accept a home loan from any bank or lender you qualify with. We are also mortgage brokers and offer a suite of partner banks for you to choose from.

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Expert buyers help

Navigate the home buying journey with ease. You’ll get personalised advice from your very own buyers agent.

AI-driven Fintech

Leveraging our AI-driven Fintech, we streamline loan processes in high-growth areas, maximising value and making homeownership accessible.

What’s next?

1
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Assessment

Contact us to see if you are eligible.

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Apply

Apply for up to a 25% deposit
on your property.

2
3
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Finance

We finance your deposit in exchange for a profit share in the property. Need help with the remaining loan? Our team of mortgage brokers can help you find the best deal and lender.

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Move in!

Collect those moving boxes
and make your dream
home a reality.

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5
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Refinance

After 5 years, as your property value increases, you can refinance. Mondus exits with our profit share, leaving you with full ownership. Why rent when you can start paying off your own property now?

1

Assessment

Contact us to see which loan you’re eligible for (don’t worry, it won’t affect your credit score).

2

Apply

Apply for up to a 25% deposit
on your property.

3

Finance

We finance your deposit in return for a profit share in the property. Need help with the remaining loan? We have a team of mortgage brokers who can help you find the best deal and lender.

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Move in!

Collect those moving boxes
and make your dream
home a reality.

4
4

Move in!

Collect those moving boxes and make your dream home a reality.

5

Refinance

After 5 years, your property value has increased and you can refinance. Mondus departs with our profit share, and your home is truly yours. Why rent when you can start paying off your property now?

Apply now

FAQs

Hear what our clients have to say about us
How does Mondus help with loan approval?
Can I use my own bank?
What happens if, at the end of 5 years, the capital gains aren’t there?
How do I refinance?
Are there any restrictions on location?
Can I still apply for the first home buyers grant?
Can I use the first home buyers grant as part of the required 2.2%?
When I find a property I like, how can I know if it is a good property?

Blog

Discover the latest information and resources on the Australian property market, loan types, and everything you need to make your dream home a reality.
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Perspective on the current Australian housing market trends

The recent PropTrack Home Price Index report for October 2024 highlights an important reacceleration in home prices across Australia.
Read full article
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Maximising Home owner ship Opportunities with Mondus and the Home Guarantee Scheme

The Australian Government's Home Guarantee Scheme (HGS) is a pivotal development in the housing sector, aimed at facilitating easier access to homeownership.
Read full article
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SA Stamp Duty: Mondus Advantage

With South Australia’s groundbreaking decision to abolish stamp duty for all first time buyers who buy or build a new home we at Mondus Capital find ourselves in an exciting position to empower you Australians.
Read full article
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Mondus Capital: Bypass the Deposit

Mondus Capital is revolutionising the path to homeownership with a groundbreaking approach: bypassing the traditional deposit.
Read full article
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Mondus Capital: Smart Shared Equity

Navigating the property market has been a formidable challenge for many, especially first-time homebuyers grappling with skyrocketing housing prices and strict deposit requirements.
Read full article
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No Deposit, No Worries with Mondus Capital

In the current real estate landscape, the conventional route to homeownership—accumulating a substantial deposit—has become increasingly unattainable for many Australians.
Read full article

Get started

Stepping into your dream home has never been closer. Let us guide you on your homeownership journey. Own Your Future.
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