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
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Your monthly costs, compared
Average Monthly Rent (5-Year Trend with rent increase)
$6,061
Own with Mondus (0% Deposit, Stamp Duty covered)
$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.
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.
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.
$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.
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.

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Mondus Capital 0% deposit home loan

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.
Deposit and
stamp duty required
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.
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.
Customer contribution
$20 deposit + 5% stamp duty
Up to 105%
Loan to Value Ratio (LVR) home loan
80%
LVR home loan

Provided by Mondus
Conveyancing and settlement costs

Provided by home-owner

Included
Buyer’s agent

Not included

You can include your first home owners government grant

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.
FAQs
Hear what our clients have to say about us
What does shared equity mean?
Do I own my house outright?
How does Mondus help with home loan approval?
What happens if my property doesn’t increase in value enough?
How do I refinance?
Are there restrictions on where I can buy a property?
When I find a property I like, how can I know if it's a good property?
What does the 2.2% customer contribution cover?
Can I still apply for the First Home Owners Grant?
Can I use the First Home Owners Grant towards the 2.2% contribution?
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.
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Stepping into your dream home has never been closer. Let us guide you on your homeownership journey. Own Your Future.