# Deposit bonds explained: how to buy property without an upfront cash deposit

Page: https://stenobird.com/podcast/australian-property-podcast-6090037/deposit-bonds-explained-how-to-buy-property-without-an-upfront-cash-deposit
Text version: https://stenobird.com/podcast/australian-property-podcast-6090037/deposit-bonds-explained-how-to-buy-property-without-an-upfront-cash-deposit.md
Podcast: [Australian Property Podcast](https://stenobird.com/podcast/australian-property-podcast-6090037)
Published: 2026-08-18T05:00:00+00:00
Episode link: https://www.raskmedia.com.au/podcasts/australian-property-podcast/
Audio file: https://traffic.megaphone.fm/RRKKR8684715710.mp3
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JSON: https://stenobird.com/v1/public/podcasts/australian-property-podcast-6090037/episodes/deposit-bonds-explained-how-to-buy-property-without-an-upfront-cash-deposit
Duration seconds: 2008

## Resource

In this Australian Property Podcast episode, Owen Rask sits down with Ryan Dinsdale from Deposit Power to unpack how deposit bonds work and where they can fit into a smarter property strategy. They cover what a deposit bond actually replaces at contract exchange, why some buyers and investors use it instead of locking a large cash deposit in a trust account, and how that flexibility can matter if you are buying off the plan, bidding at auction, upgrading your home, or trying to buy and sell around the same time. The pair also dig into practical use cases, including off-the-plan purchases, auction scenarios where buyers need to move quickly, and the common problem of trying to purchase before an existing home has sold. Ryan also explains the trade-offs between using cash and using a guarantee, including how keeping money in an offset, savings account or super can change the maths over a long settlement period. They also discuss security, fees, approval speed and the questions buyers should ask before relying on any deposit strategy. If you want a practical breakdown of deposit bonds, opportunity cost and how to keep more flexibility in your property plan, this episode is a great place to start. It is especially useful for upgraders, investors, downsizers and first home buyers weighing up how to exchange on a property without impacting their broader financial position too early. This episode was proudly sponsored by Deposit Power. Episode resources – Deposit Power Calculator – Deposit Power Home Page – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy…

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## Transcript

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