Skip the Deposit.
Keep the Keys.

With up to 105% lending, we cover land, build, and costs in one streamlined loan.
No deposit. No LMI. Faster approvals.

Up to 105%1
Loan-to-Value Ratio
Zero Deposit
Required
Offset Account Included
Pre-Approval in Just 7 Days3

Why Power Up Elite is a Game-Changer

No Deposit Needed

Buy your home with zero savings upfront.

105% Lending

Finance covers land and build in one loan.

No LMI

Speeds up approval times.

Fast Approvals

Instant eligibility check, same-day answers available.

A Straight Forward Path to Home Ownership

Check eligibility

5-minute check, instant answer.

Get pre-approved fast

Many same-day approvals.

Choose your property

Vetted land + build packages ready to go.

Apply online

Upload documents.

Settle & move in

We fund land, build & costs, and hand over the keys.

Check eligibility in 5 minutes

 Power Up Elite at a Glance

Max LVR
Up to 105%1
Credit Score
Minimum 650 (750 preferred)
Loan Term
30 yrs (1st), 10 yrs (2nd)
Employment
Minimum 2 years (full-doc)
Rate
6.95% Variable4
Offset Account
Included
Loan Amount
Up to $2,000,000
Extra Repayments
Unlimited
Property Type
Metro Postcodes Only

Transparent Fees, No Surprises

Application Fee
$2,200
Annual Fee
$395
Discharge Fee
$795
Construction Risk Fee
5% (funded via 2nd mortgage)
Construction Admin Fee
$750
Progress Inspection Fee
At cost
Solicitor/Valuation Fees
At cost
Account/Facility Variation
$450
Transaction Fees
FREE unlimited internet, phone, BPAY, EFTPOS

Check If You Qualify

Check your borrowing power. No credit hit Instant result in 5 minutes.
Apply now and get a loan coach on your case
See if you qualify no impact on your credit file
Check eligibility – no credit check
Takes 5 minutes, instant result.
Find out how much you can borrow today
(no credit check)
Start my application
Dedicated support from day one.
Apply Now

 See How Others Powered Up

Sam & Ed
NSW

"We never thought we’d get beyond a tiny Sydney apartment, but Empower Money provided an opportunity to purchase an investment property. With their support, we secured land in Huntlee, streamlined the whole process, and are now building our first investment home. It’s exciting to see our property journey taking shape so quickly."

Rabish & Kiran
NSW

"We thought owning a home in Sydney was out of reach, but Empower Money made it possible with their 105% loan. They guided us through the process step by step and helped us secure our land and build a family home much sooner than we ever imagined. Without them, we’d still be renting and saving while prices kept going up."

Your Questions, Answered

What does 105% LVR mean?
 It covers your full property price plus risk fee.
Why metro properties only?
Metro areas help ensure fast approvals and stable valuations.
Can I still apply if I have some savings?
Yes! Having savings can improve your position by reducing the amount you need to borrow.
Do I need to live in the property?
Yes, this is for owner-occupiers, not investors.
Can I pay off the second mortgage early?
Absolutely - there are no penalties for early repayment.
1 Terms and conditions apply. Subject to eligibility criteria and loan approval. For further information please read our TMD
2 Stamp duty, application fees, legal fees and settlement adjustments to be funded by the applicants
3 Pre-approval subject to eligibility. 7-day timeframe based on full documentation and lender conditions
4 Interest rate subject to change. Please confirm with your broker rate at time of application

 Ready to Power Up Your Property Dreams?

Get started today with no deposit, no LMI, and flexible loan features that help you own sooner.

Apply for Power Up Elite Now