Open The Deposit Vault to buy your own home

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What we offer

The Deposit Vault offers professionals or high income earners a home deposit while giving investors a diversified portfolio of quality Australian residential property by:

20% deposit

Providing the 20% deposit to assist professionals or high income earners in buying a home, or investment property.

Shared equity model

Offering a shared equity model where investors share approx. 20% of any upside on rising property values.

Home loans

Securitising desirable residential home loans capitalising on rising property values & double digit yield returns.

how does The Deposit Vault work?

Qualified professionals or high income earners can enter the Australian residential property market by:


Accessing up to $200,000 for a 20% deposit (thereby avoiding LMI) at a rate of between 10-12%


The Deposit Vault funding ranks as Second Mortgage over the property.


Repaying the loan over a 10 year period

Applicants can either buy their first home or an investment property by accessing 100% finance on favourable terms to allow access to growing Australian property.

selection criteria

Applicants will be selected from the highest quartile of Veda credit scored professionals or high income earners – doctors, dentists, lawyers and accounts earning $180K+ per year.

  • Growth potential of the proposed property
  • Age of home
  • Deviation from the mean price
  • Qualifications of the professional or high income earners seeking a loan
  • Eligible Postcode of property
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Why use the deposit vault

The median house price in Sydney is now $1m
Prices will have changed over the same time period
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Crowd Money Pty Ltd is a credit representative of Independency Pty Ltd (ACL number 391823) which is a member of the Credit Ombudsman Service (COSL). Independency’s membership number is 407334. The Credit Ombudsman Service provides consumers and financial service providers an accessible, independent and fair dispute resolution service. Visit the COSL website for more information.


Stone & Chalk, level 2,
50 Bridge St, Sydney NSW 2000