A larger house deposit makes more sense for home buyers in most situations. A smaller house deposit can give the buyer more flexibility at the time of settlement, but in a hot housing market, a larger deposit often makes for a more competitive offer. Deposit Guarantee allows you to make a larger deposit on multiple listings without having to release your funds, sell your assets, or take out loans through closing. Home buyers with equity can instantly unlock a larger deposit with Deposit Guarantee to secure a larger deposit. As funds do not change hands until closing, buyers can keep earning returns on their house deposit money until the settlement date, and since Home Deposits Now deposits are not loans, buyers need not worry about interest charges.