Invest into The Deposit Vault community

Show Me More
Apply now and we will be in touch with you.
Apply Now

home loan finance

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.

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

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

risk management

  • Lending criteria strictly comply with the Australian Credit License No 462637 under s64(1) of the National Consumer Credit Protection Act 2009
  • Loans will be only available in the purchase of thoroughly researched properties in selected postcodes in the major cities of Melbourne, Sydney, Canberra and Brisbane
  • Registered Second Mortgage on the selected property providing downside protection
  • Applicants will be selected from the highest credit score quartile 1-1200, i.e. >900 score
  • Credit scoring will be provided by Veda, the largest Credit Reference agency in Australia & NZ
Apply Now

Investment highlights

High Value

High value loan product (10%+) with pent-up demand in target markets


Considerable potential with 400,000+ young professionals or high income earners earning over $180,000 in Australia

Value Proposition

Compelling value proposition for customers with ability to immediately purchase property

Solid Fundamentals

Solid financial fundamentals with $100M throughput projected through platform in first 3 years

High Yield

Investors can access a new high yield asset class – deposit financing


Ground floor opportunity for sophisticated and professional investors

Apply Now

experienced executive team

Tony Harris – Co-Founder & Chairman

With over 40 years of property and finance experience. Tony founded The Money Store and sold to an ASX listed company, before reinvigorating the company and relaunching. Held a Board position for 7 years of ASX listed eChoice as a Non-Exec Director  and CEO, a wholesale lender and financial services company growing its Loan book from  $1 billion to in excess of $20 billion and valued at $100million.

Fergus Herbert – Co-Founder & CEO

Fergus has been involved with the incubation of many companies with compelling growth characteristics over the past 30 years. He has raised over half a billion dollars in the past 5 years for start up ventures around the globe and is adept at helping emerging companies understand what they need to do to reach a state of commercial success.

Christopher Graham – Debt Advisor

Chris has 30 years experience in banking and finance. During that time Chris has specialised in securitisation of non-standard mortgage pools, including arranging finance for several hundred millions of high LTV mortgages for First Permanent. Chris has developed proprietary models to calculate the capital requirements for all types of Australian mortgage portfolios.

Apply now

Are you a sophisticated investor?
i.e. you have a total of $2.5 million in assets and/or earn $250, 000 per year or greater

 Yes No

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