Can I Build a Home With a 5K Deposit?

Dreaming of owning your first home but think you need a massive deposit? With Carlisle’s EasyLiving Series, you can start building with just a $5k home deposit – and be one step closer to homeownership, faster.

For many first-time buyers, saving for a deposit may feel like an impossible goal. Between rising rents and cost-of-living pressures, putting away tens of thousands of dollars isn’t always realistic – especially if you’re keen to get into the market sooner rather than later.

That’s why Carlisle Homes has introduced its $5K Deposit Until Slab offer for homes in our innovative EasyLiving Series. It’s a game-changing opportunity that gives you more control over your finances, more time to plan your move, and an easy, affordable way to start building your first home.

5k deposit homes: What it covers – and when you’ll need to pay more

Carlisle’s limited-time 5k home deposit offer is designed to reduce the financial barriers to building a new home – especially for first home buyers. Here’s how it works:

• You pay $2,000 upfront to secure your home, price and site start allocation
• Another $3,000 is due at your Tender Signing Appointment
• No more is required until after your concrete slab has been poured

This gives you more time to save, more flexibility around your finances, and greater peace of mind as you plan your new beginning.  

Is it too good to be true? Can I really secure a 5k deposit home?

Yes – if you’re building a home from our EasyLiving Series on titled land in a participating Greenfield community, the $5k deposit offer could be your ticket to homeownership.

Our EasyLiving Series is a budget-friendly collection of homes designed to suit first home buyers, young families and investors. While Greenfield communities are those in Melbourne’s South-East, West and North currently undergoing growth and development in new estates.

This innovative offer from Carlisle is a straightforward path to home ownership that allows you to begin the building process without the usual hefty upfront deposit. You still need to meet lending criteria and proceed with finance through one of Carlisle’s preferred finance partners – like Mortgage Domayne – but we’ll guide you every step of the way.

And once your slab is poured (known as the base stage in your HIA Building Contract), the balance of your 5% deposit and base stage payment becomes due. This approach keeps things moving without forcing you to stretch beyond your budget upfront.

What makes a 5k home deposit possible?

The key to making this incredible and empowering offer possible lies in Carlisle’s streamlined EasyLiving process. With faster contract preparation, pre-approved designs, and carefully curated inclusions, we can move quickly and keep costs down – all without compromising on quality.

Carlisle builds in Melbourne’s most sought-after Greenfield suburbs, where infrastructure is new, communities are growing, and lifestyle opportunities are endless. These are ideal locations for first home buyers who want room to grow, without straying too far from the established amenities, transport links and access to the CBD.

Curious about Greenfield living? Read why building new is a smart move.

5k deposit home loans and finance support

Sorting out your home finance might sound daunting, but it doesn’t have to be. Carlisle has a team of in-house Finance Specialists ready to help you understand your options, apply for the First Home Owner Grant, and get your loan pre-approved through one of our preferred lending partners.

You’ll receive clear, honest advice and practical support at every stage – from calculating how much you can borrow to finding the right loan structure for your lifestyle.

Learn more on our Finance page.

Want to get a head start? Try our helpful calculators:

• Borrowing power calculator
• First home buyer calculator
• Interest rate calculator
• Stamp duty calculator

Why first home buyers are jumping at the $5k deposit offer

For many buyers, the $5k deposit offer is the opportunity they’ve been waiting for. It reduces the pressure of saving while rent still needs to be paid and allows you to focus on preparing for your move – not stressing about whether you’ll ever make it into the market.

Combined with Carlisle’s EasyLiving designs, which offer open-plan living, quality inclusions and stylish finishes at an affordable price, it’s a complete package that makes sense financially, practically and emotionally.

 

What to know before you get started

There are some fine-print friendly facts regarding our home loan with a $5k deposit offer. Firstly, this offer is available for a limited time and applies to:

• New EasyLiving quotes from 6 January 2025
• Customers building on titled land
• Customers proceeding with finance through Mortgage Domayne or other nominated lenders
• Greenfield site builds only – not applicable to knockdown rebuilds or infill developments

You’ll receive full details of the offer when you speak to one of our consultants – and we’ll make sure everything is clearly explained up front. From there, get ready for the excitement of choosing the EasyLiving design that fits your lifestyle and letting our team take care of the rest.

Your first home is closer than you think

At Carlisle, we know the first step is often the hardest. That’s why we’ve created a smarter, more affordable way to begin, starting with just $5,000.

Our $5K Deposit Until Slab offer is helping first home buyers unlock the door to a better lifestyle – with flexibility, support and genuine value built in from the very beginning.

Visit a display centre, chat with our team, or browse the EasyLiving Series online to find a ready home when you are.

Building your future shouldn’t have to wait – and with Carlisle, it doesn’t have to.

To explore the possibilities of your equity, get in touch with our in-house construction finance specialists. Not yet a homeowner? Get in touch with us on 1300 328 045 enquire about our house and land packages so you can start building equity faster.