Empower Money

Buy Your Home With  

Zero Deposit

One of Australia’s only lenders offering up to 105% finance with expert support from application to settlement.

Home Loan
Support
Network
SMSF Lending

Get into your home sooner

Tailored loans including no-deposit solutions. Start with our 5-minute eligibility check.

Skip the deposit. Keep the keys.

Our Power Up Elite loan covers up to 105% of the purchase price. No deposit, no LMI, fast approvals.

Power Up Elite (No-Deposit)

Finance up to 105% of your purchase for eligible metro properties*

*Subject to eligibility & credit criteria.

Power Up Basic

Straightforward home loans with flexible features for first-home buyers & families.

Get Started

Your journey to homeownership in 4 easy steps

We take pride in our efficient processes, providing customers with prompt and timely updates on their loan applications and progress.

Eligibility Check (5‑minute calculator, instant answer)

Property Match (Vetted House & Land packages)

Apply Online (upload documents)

Settlement (land and build funded; keys in hand)

Find out if you qualify in 5 minutes.

Instant result. No credit hit. Available anytime.

5
Mins to Complete
Instant
Response
Anytime
Available
Start the calculator

Why choose Empower Money

With so many options out there for finance, it is important to know why Empower Money.

Investor-ready structures

Smarter loan setups for investment strategies
(seek independent tax advice).

Piggy bank

Testimonial

“We bought with zero deposit and moved in within a few months.
Empower Money handled the land, build and finance end-to end.”

Jessica & Tom, NSW

Deposit solved

Finance up to 105% of land +
build so you can buy sooner.

Crypto coins

Vetted builders,
turnkey finish

Landscaping, driveway and keys included for a clean handover.

No LMI

Helps speed up approval times.

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Application Process

1. Check your borrowing power

Use our 5-minute calculator for an instant answer with no credit hit. Know where you stand before you apply.

2. Find your property

We connect you with vetted land + build packages that fit your budget. Stop scrolling listings get options matched to you.

3. Apply online

Personal guidance, every step.

4. Settle & move in

We fund your land and build and hand over the keys. From deposit problem to home ownership, solved.

Aalto mobile app UI with two home listings and a title at the top saying 12 new matchesAalto mobile app screen showing Seller Q&A with collapsable questions and answersMobile screen showing a kitchen with a virtual tour badgeAalto mobile app UI of home front door, confetti and the word Congratulations at the top and the home name below with the label of sold