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Independent Finance Service For:

  • First Homebuyers
  • Unique Construction Loans
  • Low Deposit Home Loans
  • No Deposit Home Loans
  • Guarantor Family Assist

Do You Qualify?

We can help with all financial aspects of building a home. Fill in our handy loan calculator and we’ll let you know what you can afford.

    • We make the journey easy
    • We make the journey easy
    • Let's see if you qualify.
    • Keeping it simple for WA home buyers
    • We’re crunching the numbers now. Submit your info to see if you qualify.

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    Need Some Assistance?


    Getting your finances all in order is usually the first step to home ownership, as it helps you set a realistic budget for your build. We get that finances can be a bit overwhelming at times. “How much do I need to save? How much do I need to repay? How long will I be paying off my house? Is it better to look at house and land packages?”, etc, etc… It can be a lot to think about, we know, that’s why we make it easy here at MOMU to get into the home you’ve been saving for, easy peasy!


    Our team can help you with a wide variety of finance options, from working out how much you need to save, to your borrowing capacity, and even to figuring out how much your repayments will be. It all sounds scary, we know, but let us help you out! It’s what we do!


    To find out if you qualify for our home finance assistance, simply fill out the form above and one of our experts will be in touch to help get you on your way to owning your very own home!

    First Homebuyers

    Our independent construction finance superstars are experts in helping you get finance approval for a construction home loan whilst taking the mystery and stress out of the process. They’re focused on making sure you always understand why, what, who and when.

    They’re also equipped to help you access any government grants you may be eligible for!

    With access to over 20 lenders and 2,500 loan products, our specialists will help find the most suitable financial solution to meet your needs.

    Unique Construction Loans

    Our specialists have access to unique products specifically designed for clients building their own home. Some of the unique features that they may be able to help you access are:

    • 2% deposit for first home buyers made up of 1% of the value plus the First Home Owners Grant (FHOG covers);
    • $50 per week payments during construction; and,
    • No requirement for mortgage insurance (which can save clients up to $12,000).


    Building a new home can be one of the most exciting experiences of your life, however, choosing a finance option that suits your circumstances, can be one of the most overwhelming.

    Wherever you are in life, Momu knows that when you’re ready to build a new home, you don’t want anything to slow you down, especially having to save for years, just to acquire enough deposit to please a Bank Manager!

    So, together with our in-house brokers at Finance 365, we have sourced a number of different low deposit loan products that make getting into a new home quicker and easier.

    *One of our most popular lenders is Keystart Home Loans. Keystart is a West Australian Government initiative that specialises in low deposit home loans for first and second homebuyers, who may not meet the deposit requirements of mainstream lenders.

    As well as offering a range of low deposit home loans, Keystart loans come without the added expense of lender’s mortgage insurance and pesky account keeping fees, potentially saving you thousands of dollars over the term of your loan!

    Keystart home loans also offer the following features:

    •  2% total deposit required with no requirement for genuine savings
    • Reduced repayments during Construction
    • Loans to those who have had defaults or been bankrupt

    In a time where many lenders are tightening their lending criteria, Keystart is expanding theirs. In 2019, the income limits that determine Keystart eligibility are increasing, so if you haven’t met the requirements before, it might be worth giving it another go!

    As of the 1st of July, 2019, the new income limits for Keystart loans, for people living in the Perth metro area, are:

    • Singles earning up to $105,000, up from $90,000
    • Couples earning up to $130,000, up from $115,000·
    • Families earning up to $155,000, up from $135,000

    There are a few boxes you have to tick to qualify for a Keystart process, such as being an owner occupier and meeting the above income criteria, however one of our friendly Home & Land Specialists would be more than happy to assist you with this process, either in person or over the phone.

    So, don’t wait any longer. If you’ve been dreaming about building a new home, come and talk to Momu – we’re here to make it happen.

    No Deposit Home Loans

    It may be possible for you to secure a loan with no deposit. There is a process to follow and requirements that must be met, but our team have access to loans that may allow lending of up to 100%.

    Some possible solutions include:

    • Using unsecured borrowing as a deposit to build;
    • Using parents equity in property as security to build; or,
    • Using parents funds in a term deposit as security to build.

    Guarantor Family Assist

    A popular way for young Perth first home buyers to enter into home ownership is with the assistance of their parents. This is another solution that we can provide.

    The process involves using equity in a parent’s property as security against the new house and land package being purchased. Cash in term deposits can also be used as suitable security.


    The information provided here is general advice only and your personal circumstances have not been taken in to consideration during its preparation, you should seek independent advice before making any decisions in relation to your personal finances.

    Finance availability is subject to applicant meeting lenders qualifying criteria and all approvals are at the discretion of the lender.

      Make An Enquiry

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      land or finance questions.

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