At Flourish Finance, we specialise in helping clients secure home loans even when their Loan-to-Value Ratio (LVR) exceeds 90%.
Here’s how we make it work:
✅ Genuine Savings Not Always Required – If you’re receiving a gift from family and it’s in your account before application (with a gift letter), it can count towards your contribution.
✅ We Accept a Range of Equity Sources – Inheritance, share sales, term deposits, bonuses, or even equity in another property can all help meet the minimum required contribution.
✅ Day 1 Employment Accepted – Starting a new full-time or permanent part-time job? We can still help — no probation period needed.
✅ Pre-approvals that Stick – Fully assessed pre-approvals valid for 90 days and extendable to 180 days give you confidence while you house-hunt.
If your deposit is tight or you’re unsure what counts toward your contribution, let’s talk. The right strategy (and lender) can make all the difference.
📲 Send us a message or call to explore your borrowing options.
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