13/10/2026
Most people think buying property from family is straightforward.
Sign a contract. Done.
What they don’t realise is that if the family is selling below what the bank thinks it’s worth — that gap could become your deposit.
Here is the example.
Family agrees to sell you their home for $600,000. Bank values it at $800,000. Some lenders will lend against that $800,000 — not the $600,000 you are paying.
That $200,000 difference? It can be treated as gifted equity and count toward your deposit. You could walk into your first home with little to no cash contribution at all.
This is not a loophole. It is a legitimate lending strategy that most brokers never bring up because most brokers do not know it exists.
Not every lender does this. Valuations vary. The structure has to be right.
But if your family is thinking about helping you into property , this conversation could save you years of saving.
Send this to someone who needs to see it.
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General information only, not credit advice. Gifted equity treatment subject to individual lender policy and eligibility. Valuations may vary between lenders. Australian Credit Licence 384704. Current as at October 2026.
