Buying an Investment Property?

Buying an investment property or block of land?  If you are, and your equity is tied up in your existing home or assets, a deposit bond can help you secure your new investment in absence of a cash deposit.

Deposit bonds are a convenient and cost-effective way of securing your new property when you intend to finance the full cost of your investment property by leveraging the equity in your existing home or property investments.

You could be:

✓ A young couple buying their first investment property or vacant land.
✓ An investor looking to buy an off-the-plan apartment which does not settle for 12 months or more.
(nb. we allow deposit bonds up to 60 months & 66 months in QLD. Under special considerations we can consider deposit bonds in excess of this term.)

Why should you use a deposit bond over a cash deposit?

✓ Using a deposit bond will allow you to secure your property without needing to draw on your existing equity
✓ Your cash may be working harder for you sitting in your existing offset account or a term deposit.

What is required to be eligible for a deposit bond?

You must prove that you have the finances to be able to settle on the property you are buying.

You can prove this in one of two ways:

1. Finance Backed – Either you have approval of finance from a bank or lender or you don’t need finance because you will have the funds to complete the purchase at settlement, for example if you are buying and selling (simultaneous settlement)

2. Equity Backed – You do not have formal finance approval as yet, or the funds to settle, for example, if you are buying off-the-plan or at Auction. In this scenario we would issue a deposit bond on the basis of your current equity position.

If you fit into any one of these two scenario’s listed above you may be eligible for a deposit bond to secure your investment.
Below is an illustrative example of how deposit bonds can be used effectively for securing your investment property or land:
Buying an Investment Property or Land Purchase with a Deposit Bond: Everything You Need To Know

Ready to apply for a deposit bond for your investment purchase?

We want to make it easier for Australian’s to purchase their new investment property using a deposit bond so we why not leave all the hard work to us and let us prepare and apply for your deposit bond application for you!

Our deposit bond concierge team, will assess your situation and if a deposit bond is what you need, we will go ahead and take care of your application for you so you can focus on what you do best!

Our concierge officers, will guide you through the entire process, from start to finish.

Here’s how it works:

If you are unsure about whether you a eligible or require a deposit bond, our deposit bond concierge team will assess your situation and let you know either way!

Yes, I would like you to apply for a deposit bond for me.


Is this your situation? Download your own checklist here.

Apply online yourself:

If you don’t want us to lodge your application for you then you can proceed to fill out our online application yourself.

If you have a formal approval or the funds to settle (finance backed) and are settling within 6 months?  Apply using our express application.  To apply for a deposit bond, without finance approval (equity backed) please apply using our standard application. Click on the links for each application to learn more.

Do you have approval from the vendor?(Important)

Firstly before you apply for your deposit bond, we strongly recommend that you seek approval from the real estate agent and the vendor before you lodge and apply for a deposit bond.  This is just to ensure that you are transparent with them about wanting to use a deposit bond instead of a cash deposit to secure your property. Our deposit bonds are backed by QBE insurance which can provide certainty to vendors and real estate agents, that our bonds will be honoured.

Refund policy for off-the-plan:

Under Deposit Assure’s new policy, buyers will be eligible for a pro rata refund of their premium, where your purchase settles more than 6 months before the expiry date of the deposit bond, up to a maximum value of 18 months. To claim the refund, we must receive (a) written proof of the actual settlement; (b) the ‘original’ Deposit Bond; and (c) notice of your intent to apply for a refund within 45 days of the Settlement Date.

Other relevant links you may be interested in:

Want to learn more about deposit bonds and how they work? Click here.

Want to work out the costs for a deposit bond? Get an instant quote using our Fee Calculator.

Learn more about our deposit bond concierge service.

5 simple reasons why you should choose a Deposit Assure bond?- Learn more

Check out our infographic that has everything you need to know about deposit bonds and will answer all your questions. Click here. To download a PDF copy of our infographic please click here.

Deposit Assure are an Agent of QBE Insurance (Australia) Limited ABN 003 191 035

Apply for a deposit bond



  • Purchasing as an individual.
  • Settling within 6 months.
  • Proof of funds to complete purchase: either finance approval
    or other proof of funds like a sale contract.


  • Settling over 6 months.
  • Purchasing off the Plan.
  • Purchasing in a Super Fund, Company or Trust.

Got Questions? - Get in touch with us

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