Homeowners: This Is How You Buy Property With ZERO Deposit in Australia

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down one of the most powerful wealth-building strategies in Australian real estate: how everyday homeowners are using equity in their existing home to buy investment properties with zero cash deposit. Most Australians assume they need years of savings to buy an investment property — but many are already sitting on usable equity without realising it.

In this episode, Brad and Aaron explain step-by-step how investors are extracting equity from their owner-occupied home, structuring loans correctly, and using that equity to fund deposits, stamp duty, and purchase costs — without using personal savings.

This is not hype, and it's not a "get rich quick" scheme — it's a real-world, bank-approved strategy used by everyday "mum and dad" investors across Australia. 

🔍 Key Topics Covered:

✔️ How equity actually works in Australian property 🏠

✔️ The 80% rule and avoiding Lenders Mortgage Insurance (LMI)

✔️ When paying LMI can make sense for faster growth

✔️ Using equity instead of cash deposits 💰

✔️ Zero deposit property investing explained

✔️ How to structure loans properly (splits & tax strategy)

✔️ Why equity release is NOT "free money"

✔️ Buffers, offsets, and risk management 📊

✔️ The step-by-step process to buy your first investment property

✔️ Common mistakes investors make (cross-collateralisation, over-leverage, rental overestimation)

✔️ How everyday Australians build property portfolios safely