More Value.
Less Risk.
Lower Costs.
Capture material share of the first home buyer market by becoming a hero to aspiring homeowners
Our Leg Up unlocks residential real estate equity to enable partner banks to offer market leading home loans, with reduced risk, improved margin and social benefit.
Champion Homeownership. Capture Market Share.
Not owning a home is the #1 driver of wealth inequality in Australia. Remove the biggest hurdle by decreasing customer deposit requirements to 5%, while still achieving 80% LVR with Our Leg Up.
More Value
Enable 36% more loans with the same equity contribution. Lend more capital at a market leading rate.
Less Risk
Achieve 80% LVR with additional collateral. OLU decreases RWA up to 2X more than alternatives.
Lower Costs
Improve return on equity by up to 100% compared to LMI. Better profitability on every loan.
How It Works
OLU connects institutional capital with low-deposit home buyers, enabling banks to offer more competitive loans with less risk
Investors Provide Capital
Sophisticated investors commit capital to the OLU pool
Earn market-leading returns secured by Australian real estate
Banks Originate Loans
Partner banks assess and approve low-deposit home loans
Maintain existing lending standards while expanding market reach
OLU Shares the Risk
OLU guarantees a portion of the loan, reducing bank exposure
Bank's effective LVR drops from 95% to 80%, with improved margin
How It Works in Practice
- Customer applies for a home loan with partner bank
- Bank assesses using normal credit criteria
- OLU guarantees 15% of property value
- Bank's risk drops from 95% LVR to effective 80% LVR
Result:
Banks can offer better rates without LMI, customers save thousands, and investors earn stable returns
Superior Economics for Lenders
Grow your low deposit home loan book with better margins and less risk
36% More Loan Volume
Using the same amount of equity contribution or regulatory capital, OLU enables lenders to write 36% more low deposit home loans than with LMI
100% Better ROI
Improve return on equity contribution by up to 100% compared to traditional LMI solutions
57% Higher Efficiency
Generate 57% higher loan volume per $1 of CET1 capital (19.7x vs 12.5x)
Lower Risk Weight
Reduce risk weight from 55% to 35%, requiring $1.45M less CET1 per $50M in loans
Capital Efficiency Comparison
With LMI
With OLU
Superior Customer Outcomes Drive Conversion
Give your customers a better option than LMI or family guarantees
Purchase Scenario Example
Borrowers save over $10,000 compared to LMI, with prevalent interest rates (30-100 bps lower) and no upfront fees.
| Feature | LMI (Genworth/QBE) | Family Guarantee | Our Leg Up |
|---|---|---|---|
| Additional Fees | ~$24,000 | No fee, but limited availability (7% of market) | $1000's cheaper |
| Interest Rate | +0.3% to +1.0% premium over <80% LVR | Prevalent rate (<80% LVR) | Prevalent rate |
| Effective LVR | >95% LVR | 80% LVR (parent's equity) | 80% LVR (investor pool) |
| Scalability | Scalable but costly | Limited (7% of market) | Highly scalable |
Result for Your Customers
Save $10,000+ over 4 years compared to LMI
Life-Changing Savings for Borrowers
Help your customers get into their homes faster with significant cost savings
Purchase Scenario: $600K Property
Proven, Trusted, Ready to Scale
De-risked and validated for immediate partnership
$40M+ in Guarantees
Real commitments from Australian property owners
Tier 1 Legal Review
Validated by Gadens law firm for regulatory compliance
Backed by Leading VCs
Supported by Antler, Idea Spies, and FinTech Australia
No Tech Integration Required
Pilot ready with existing systems
Backed By
Leading Australian fintech ecosystem partners
How Easy Is It to Get Started?
No technology integration required for pilot. Flexible integration options for scale.
1. Existing Process
Assess low deposit home loans using your current workflow
2. Refer to OLU
Submit approved loans via secure web form or connected API
3. Manage Online
Access portal to manage applications and view committed records
Integration Options
Web Portal
- Secure web form submission
- Real-time application tracking
- Quick setup. Minimal IT required
API Integration
- Real-time decisioning
- Seamless system integration
- Automated workflow
Ready to Capture Market Share?
OLU doesn't require technology integration to pilot. It's passed all legal and regulatory assessments and is now accepting partners.