Despite interest rates rising, saving up for a deposit amid runaway housing price growth remains the biggest hurdle for a lot of first home buyers. Not everyone can rely on the Bank of Mum and Dad, or on government deposit schemes.

This is where OwnHome steps in, funding the deposit requirements up to 20%. The end result is that it can be cheaper than paying higher interest rates and LMI on low-deposit home loans.

We spoke to James Bowe to find out what OwnHome is, the benefits and risks, and his take on the state of the housing market.

Great chat!