How to Get a Home Loan With No Genuine Savings: A Step-by-Step 2026 Guide by David Johnson | Apr 20, 2026 | Why use a Mortgage BrokerWhat if the traditional 3-month “genuine savings” rule isn’t the brick wall you’ve been told it is? Many Australians find themselves with a deposit ready to go, perhaps from a family gift or a work bonus, only to be told by their bank that it...