You can dream ..... or you can own
Staircase helps with your property deposit



About Stepped Property Ownership

Owning your own property or investing in property is the great Australian dream and Staircase can help make that a reality.

All too often, buyers are faced with the difficulty of raising the required deposit. By the time you have raised the deposit, the goalposts have changed and the property market has moved on ... without you.

Staircase matches your cash flow requirements when purchasing a property by providing an interest-only deposit loan. We help you grow into your property. We call it "Stepped Property Ownership".

Staircase is a specialist provider of mortgage funding and has launched a product we call a Delayed Deposit Mortgage or DDM. A DDM loan funds a portion of your deposit so you can become a homeowner that much sooner. This means you benefit from the property capital gains now, instead of dreaming from the sidelines.

We will fund up to half of your entry costs into a  home, which is effectively a maximum of 12.5% of the purchase price of the property. Entry costs include your deposit, as well as additional costs such as stamp duty and legal fees (these additional fees are about 5% of the purchase price).

Staircase will consider owner occupiers as well as investment loans. Loan periods are 5-years and we fund up to $250,000 per transaction.

We are here to help - we provide fair loans for a fair return and there are no penalties for early repayment.

Key Elements of the Loan



The DDM Deposit loan is a 5 year interest only loan. 

An estanlishment fee of 0.45% of the value of the property is payable upfront.

Staircase will take a second mortagage on your property.


During Loan

You will pay interest only payments to Staircase Loans.

You can buy out this loan prior to 5 years at any time with no penalty. 


Final Repayment

At the end of 5 years (or sooner) you must refinance the loan with your primary loan provider. Staircase affiliated brokers will assist you with this. You may also elect to roll over the loan*

The final payment to Staircase will be your principal loan amount plus Staircase's share of any capital gain in the property. (For example, if we contributed 10%, we would be entitled to a 10% Capital Appreciation fee). If there is no capital gain, there is no Capital Appreciation fee.

*conditions apply

Staircase Process

  • 1. CONTACT
    Complete Basic Assessment form

    We need to know a little more about you. Kick off by contacting our experts. Either complete the assessment. fill in a contact form, or give us a call.

  • 2. REVIEW
    Staircase will contact you to discuss

    We will review your submission and conduct a credit analysis. You will be contacted for further information and for a discussion if required - coffee is on us!

    We issue a conditional loan certificate

    If your application is successful, we will issue a loan certificate. This will be used by the broker to submit to the lender as proof you have arranged a deposit with Staircase. The Staircase  loan will be dependent on your bank loan, the receipt of documentation, and may include other requirements.  

    Use your broker or ours to apply for a loan

    You can either use your broker to apply for a bank loan, or use one of our brokers for a full service. We already have all your information, so we can arrange your loan in the most efficient way... and without any extra hassles.

  • 5. EXECUTE

    Once the lender has your loan approved, you will execute (sign) documentation for the bank and Staircase at the same time. 



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