Zeroo

Alex.Bank and Zeroo are working together to make it easier for more Australians to own their home by simplifying your finances - with Zeroo’s 0% deposit shared-equity home loans and Alex.Bank’s smarter personal lending solutions.

Our personal loan is awarded by Australia's leading comparison sites. See all of our awards

Get an award-winning Unsecured Personal Loan for debt consolidation

Fixed and Comparasion rate from

8.49%p.a.

Rate based on loan terms up to 5 years with an outstanding credit rating and financial position. Learn More.

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No ongoing fees

Enjoy no ongoing or early repayment fees on our Personal Loan.

Fast turnaround

Get speedy service! Apply in just 5 minutes and get a decision outcome in one business day.

Consolidate debt with Alex.Bank

An Alex.Bank Unsecured Personal Loan for debt consolidation can help you prepare for your Zeroo shared-equity home loan application. By rolling your existing debts into one single, fixed repayment, you simplify your financial position. You may also save money where your interest rate is lower than the rates on your existing debts, which could improve your eligibility and borrowing capacity. Get started with a fixed-rate, fixed-term unsecured personal loan, fast approvals, and $0 for establishment, ongoing, or early repayment fees.

About Zeroo Home Loans

No Deposit

We make home ownership possible with 0% deposit. Our unique shared equity model allows you to buy now, by removing one of the biggest barriers to entry - saving a deposit. It’s a modern solution designed to help first home buyers and upgraders step into the market sooner.

High-Growth Properties

We don’t just help you buy a home, we help you buy smart. Using AI-driven property insights, we identify homes in high-growth areas with strong fundamentals, from infrastructure investment to lifestyle appeal. This ensures your purchase is informed and positioned for long-term capital growth.

Minimal Upfront Costs

You only need a small contribution to cover your essential settlement costs, including property valuations, conveyancing, legal fees, building and pest inspections, and admin costs.

Shared Equity Model

Our shared equity model is what makes Zeroo different. Instead of waiting years to save a deposit, we can help you get into a home today, letting your property growth work as your deposit over time. When you have enough equity to do a refinance, we profit share in the growth. We take a small share, you keep the majority.

About our Partnership

Alex.Bank and Zeroo have joined forces to help Australians own their homes sooner — with complimentary smart personal lending solutions and innovative shared-equity options, we share a commitment to making home ownership more achievable.

Learn more about Zeroo here.

Frequently asked questions

How is my personalised rate determined?
Your rate is tailored just for you based on a few key factors: your credit history, financial situation, the purpose of your loan, and how much you want to borrow over what period. To get a quick estimate of your rate, try our easy-to-use Loan Calculator.
Does Alex.Bank accept joint loan applications?
Not at the moment - right now, we only accept applications in individual names. But we're always looking to expand our offerings, so stay tuned for any updates!
Are there any fees?
We’ve made our loans as fair as possible with no ongoing or early repayment fees.
- $0 Establishment fee (unsecured personal loan, unsecured green loan)
- $295 Establishment fee (secured car loan, secured EV car loan)
- $0 monthly account fees
- $0 early repayment fees
- $0 late payment fees
See our credit fee guide for more information.
How often can I pay off my loan?
We’re flexible. You can make weekly, fortnightly or monthly payments. You can also pay out your entire loan amount at any time without any extra fees. We won’t penalise you for getting ahead!
Can I apply if I don’t have suitable ID?
No, we must be able to identify you with the following identification types on our online ID systems:
- Australian Driver’s Licence: acceptable for all loan applications
- Australian Passport: acceptable for unsecured personal loans and unsecured green loans only.

Important information

Zeroo Shared Equity Home loans are offered by Mondus Capital Pty Ltd ACN 659 284 312, an Authorised Representative of Loanmaker Pty Ltd ACN 603 763 220 ACL 509175. Mondus Capital Pty Ltd is authorised to provide credit assistance in accordance with the conditions of Loanmaker Pty Ltd’s Australian Credit Licence. All applications for a Zeroo Share Equity Home Loan are subject to Mondus Capital Pty Ltd’s credit assessment, eligibility criteria and lending limits. For further information please refer to this website https://www.zeroo.com.au/.

Mondus Capital Pty Ltd and Alex Bank have entered into an arrangement where Mondus Capital Pty Ltd may receive commissions for customers who take out an Alex.Bank personal loan. The Alex.Bank Personal Loan and the Zeroo Shared Equity Home Loan are distinct credit products and are not linked, packaged, or conditional upon one another in any way. Approval for, or the holding of, an Alex.Bank Personal Loan does not in any way guarantee, indicate, or influence eligibility or approval for any Mondus product, including the Zeroo Shared Equity Home Loan.