body { transform: scale(0.9); transform-origin: 0 0; }

Shared equity home loans

No deposit? No bank of mum and dad? We've got you covered. Stop renting and own your home today!

Shared equity home loans

No deposit? No bank of mum and dad? We've got you covered. Stop renting and own your home today!

Apply now

Renting vs owning - Are you better off?

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.

Calculate how much better off you’ll be
Please fill out this field
Please fill out this field
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Your monthly costs, compared
$363,634
Average Monthly Rent (5-Year Trend with rent increase)
$6,061
$363,634
Own with Mondus (0% Deposit, Stamp Duty covered)
$410,514
$6,842
Your asset, your growth
Home Value After 5 Years
$1,270,423
Your 60% Share of Growth
$222,254
Mondus’ 40% Share
Mondus now exits, using your equity as the new deposit for refinancing.
- $148,169
You only need 2.2% deposit
Includes: Title search, property valuation, bank fees, buyer’s agent, conveyancing, legal, and settlement.
Icon
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
Total Equity After 5 Years
Your total equity after 5 years which includes your 60% equity and principle repayments.
Icon
$248,241
(Includes growth + principal repayments)
This calculator provides general estimates only and does not constitute financial advice.
Calculator results are intended as a guide only and may vary subject to your inputs and the assumptions made and may not reflect your specific circumstances.
Mondus Capital Pty Ltd makes no warranties, assurances, or representations that the calculator is accurate, correct or appropriate for your personal circumstances and it should not be relied upon for the basis of entering into any legal or financial commitments. Mondus Capital Pty Ltd is not liable for actions taken based on these estimates and takes no responsibility for any loss or damage suffered as a result. Before you make any decisions, you should consider the appropriateness of the calculator results, and seek professional advice, having regard to your objectives, financial situation and needs.
Icon

Check your eligibility - Apply now!

table image

Mondus Capital 0% deposit home loan

table icon

Standard Bank

This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.  Reference to “Standard Bank” is a general reference to banks in Australia and their general products offered. It is not a reference to any specific bank or its offering and is subject to change.
Icon
Deposit and
stamp duty required
Customer contribution
2.2%
Includes: Title search, property valuation, bank fees, buyer's agent, inspections, conveyancing, legal, and settlement.
Title search fee.
Property valuation and reports.
Primary bank application fee.
Buyers agents fee.
Conveyancing fee.
Legal cost and documentation.
Settlement closing costs.
Administration fees.
Icon
Customer contribution
$20 deposit + 5% stamp duty
Up to 105%
 Loan to Value Ratio (LVR) home loan
80%
LVR home loan
Conveyancing and settlement costs
table icon
Provided by Mondus
Conveyancing and settlement costs
table icon
Provided by home-owner
Buyer’s agent
table icon
Included
Buyer’s agent
table icon
Not included
You can include your first home owners government grant
table icon
You can include your first home owners government grant
table icon

Just 2.2% upfront

Minimising your initial expenses

0% deposit required

We’re the fund of dad and mum.

Expert guidance

From a dedicated buyer's agent.

AI-driven fintech

Maximizing value and accessibility.

What’s next?

1
icon

Assessment

Contact us to see if you are eligible.

icon

Apply

Apply for up to a 105% shared equity home loan.

2
3
icon

Finance

We finance your deposit in exchange for a profit share in the property.

icon

Settle and move in!

Collect those moving boxes and make your dream of homeownership a reality.

4
5
icon

Refinance

Once your property increases in value, we’ll assist you in refinancing using your equity as the new deposit. You no longer need Mondus.

1

Assessment

Contact us to see if you are eligible.

2

Apply

Apply for up to a 105% shared equity home loan.

3

Finance

We finance your deposit in exchange for a profit share in the property.

icon

Move in!

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

4
4

Settle and move in!

Collect those moving boxes and make your dream of homeownership a reality.

5

Refinance

Once your property increases in value, we’ll assist you in refinancing using your equity as the new deposit. You no longer need Mondus.

Apply now

FAQs

Hear what our clients have to say about us
Can’t find what you're looking for? Download our customer information pack for more details on how Mondus can help you own your dream home. Click below to get started.

Buying tips and property insights

Discover the latest information and resources on the Australian property market, loan types, and everything you need to make your dream home a reality.
arrow
image blog

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
image blog

First home buyer assistance: where to find the most affordable suburbs in Australian cities?

Read full article
image blog

Is shared equity home ownership your perfect mortgage-match?

Shared equity is one of the affordable shared ownership schemes where you, the homebuyer, team up with an investor—in this case, Mondus Capital
Read full article
arrow

Apply now

Stepping into your dream home has never been closer. Let us guide you on your homeownership journey. Own Your Future.
$
icon
Thanks for connecting with us. Your journey to homeownership begins today. We'll be in touch with you shortly.
Oops! Something went wrong while submitting the form.