Deposit Bonds · Home Loans
Exchange contracts while your cash is still tied up.
Your deposit may be in a home you have not sold, a term deposit or your super. We arrange the guarantee vendors accept at exchange, and say plainly if one will not work.
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What happens next
Complex commercial transactions may carry a fee for service, quoted upfront: half at application, the balance only on approval. Enquiring won’t affect your credit score.
Why commercial through Evolve
Commercial is where we do our best work
Bond and loan, together
One conversation covers the bond, the loan funding the purchase and the sale behind it, so every piece lands on the same settlement date.
Accepted before you bid
Acceptance is the vendor’s decision, not a right. We confirm with the agent that a bond will be taken before you bid or exchange.
Nothing borrowed
A bond is a guarantee, not a loan: no interest, no repayments, one fee when it is issued, and the full price paid at settlement.
Honest about not yet
If the vendor insists on cash or the timing fails, we say so and show the alternatives: a bridge, a longer settlement or selling first.
Case study
[SUPPLY: the outcome in one line, no rate figures]
[SUPPLY: an anonymised deposit bond outcome in four beats: situation, what other lenders said, what we did, result]
“After selling this house we reengaged and leveraged his services to purchase our new house. Les is prompt, professional, and a pleasure to work with. He has a great understanding of the market and provides exceptional guidance throughout the process.”
Repeat client, Sydney
“We dealt with Les throughout our first home buying experience and he was extremely helpful. Any questions we had big or small Les did not hesitate to reply to and would go into detail ensuring we understood the process.”
First home buyer, Sydney
The short version
A deposit bond, explained in plain terms
A deposit bond stands in for the cash deposit when contracts are exchanged. Nothing is borrowed and no interest is charged; the bond guarantees the vendor that the deposit will be paid at settlement, when you hand over the full purchase price. For buyers whose money is certain but not liquid, it removes the one obstacle between them and exchange.
The bond is rarely the whole answer, though. The vendor has to accept it, the issuer wants evidence you can complete, and it has to sit correctly beside your sale and the loan funding the purchase. That sequencing is our job: buying before you sell usually pairs the bond with bridging finance; if finance is not in place yet, first get pre-approved. We can get it done.
Tell us what you are buying and where your deposit sits. The answer will be straight: possible now, possible with changes, or not yet.
How it works
From first conversation to exchange day
- Step
The first conversation
A call, usually within one business day, covering what you are buying, where your deposit sits and how you will complete at settlement.
- Step
Initial assessment and recommendation
Evidence of the equity, sale, savings or loan behind you, then bond amount, term and fee, plus any lending needed, recommended in writing.
- Step
Application prepared for signing
We prepare the bond application, and the loan application where one is needed. You review and sign; nothing is lodged until you have.
- Step
Bond issued, ready to exchange
Once the issuer approves, the digital bond goes to you and your conveyancer for auction day or exchange, and we run the loan to settlement.
Understanding deposit bonds
What buyers ask before they use one
How does a deposit bond work?
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Using a bond at auction or off the plan
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Can first home buyers use a deposit bond?
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Bond or bridging finance: which do you need?
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Find out whether a bond fits
Call 1300 112 355