Buying a home while self-employed just got easier
Move in with just 1% upfront. Get started with 2 years of trading history and build your footprint while you live there, so you're in a stronger position to buy at year five. Deposit Bridge is your pathway
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Here's how it works
Move into a brand new home with just 1% upfront. Pay a fixed monthly living payment for five years. At year five, you'll have the option to buy the home at 10% below the independently assessed market value.
Why Deposit Bridge works for you
Get started with just 2 years of trading history
With Deposit Bridge, you don't need a mortgage to move in. All you need is 2 years of self-employed trading history and 1% upfront. No deposit to save. No mortgage application to navigate.
Your monthly living payment is fixed for five years
We cover the maintenance. No increases, no surprises. For anyone with variable income, a fixed monthly payment is one less thing to worry about.
Keep trading while you're already living in your home
Move in now with 2 years of trading history. If you're still self-employed at year five, you'll have 7. That gives lenders a longer track record to assess, and where your income has grown over time, it will increase the income figure they use. A stronger case, built while you were already living in your home.
At year five, the 10% discount reduces what you need to borrow
That discount can replace a traditional cash deposit, so you won't need to have saved a lump sum on top of everything else. And with less to borrow, the income averaging problem that makes mortgages hard for the self-employed becomes less of an issue too.*
Ready to get started?
Get your Home Budget in a few minutes, start browsing homes and book a viewing straight away.
Get my Home Budget*Buying at year five is subject to mortgage availability. Wayhome doesn't provide financial or mortgage advice. We'd recommend seeking independent financial advice before making any decisions.