Must i obtain one hundred% and you can combine my expenses? Sure, you can use one hundred% and you may combine your own almost every other expense for example HECS/Assist, personal loans and playing cards given you really have good guarantor exactly who is functioning and you may allows you to play with their property as the extra cover for your loan. There aren’t any lenders in australia that may lend more than 100% of your own purchase price that have a no deposit loan that is perhaps not backed by a promise.