Home Finance Innovation


CRe8 is an innovative developer of products and systems that provide solutions to needs in the property finance industry. Our strengths are innovative and agile solutions that can be speedily bought to market.

Our Home Without A Deposit product is designed for simple seamless integration into established industry processes for the mutual benefit of all involved; purchasers, suppliers, distributors and investors.

We have established trusting relationships with industry-leading partners that are utilised to leverage knowledge and resources.

Our values are:
  • integrity,
  • transparency and
  • simplicity.

Home Without A Deposit

The product we provide to our licencees is a GENUINE no-deposit home loan which DOES NOT rely on:
  • Government grants
  • Guarantors
  • Equity

The product is not limited to first homebuyers but is also available to second homebuyers and investors who have a clean credit history and can comfortably service both first and second mortgages.

We disclose our Second Mortgages with our First Mortgagee and Lenders Mortgage Insurer upfront so that all our Loans are fully registered once settled.

HWaD Product website www.homewithoutadeposit.com.au

The Board

Paul Wiwatowski - Director

In 2007 Paul began investing in passive income strategies. These ranged in the following industries; property (residential positive cash flow real estate) and finance.

By 2011 he had built a personal portfolio that generated a passive income substantial enough to give him his financial freedom. The key to his success was creating solutions to problems he faced as a young investor, such as developing techniques that allowed him to fund his investments with minimal capital. These techniques became more and more efficient as the business of CRe8 Home & Finance was developed and grew. Paul now also holds a real estate licence.

Adam Firnigl - Director

Adam has a degree in Electronics and Communications Engineering and a post-graduate diploma in Business Management. He has also completed a Cert IV in Property Services (Real Estate) and a Cert IV in Financial Services (Finance/Mortgage Broking). With over 20 years` experience working as a Director of Manufacturing Operations with two international $billion scientific instrumentation manufacturing companies, he has brought his strong quality and process oriented experience to the property finance market, firstly at a personal level, then for commercial clients to whom he now provides services.

Adam founded his own business in 2008 that then developed into CRe8 Home & Finance in 2011. He and his business partner have developed Home Without a Deposit, which has facilitated property ownership for many Australians who would not otherwise be able to enter the property market.

Lewis O`Brien - Director

Lewis has the best combination of business qualifications offered in the state of Victoria being a Commerce Degree and Law Degree (with Honours) from the University of Melbourne and an MBA from Melbourne Business School.

Lewis employed these academic qualifications to establish his own thriving legal practice 18 years ago. The legal practice of Lewis O`Brien & Associates focuses on catering for the needs of property investors ranging from basic conveyancing services to joint ventures, options, vendor terms contracts, property developments, second mortgages and many other creative investment strategies.

Lewis is recognised as a leading authority on innovative property investment techniques and has acted for and is recommended by many of Victoria`s most successful property investors. His qualifications and experience will assist CRe8 Home and Finance to negotiate the regulatory environment and achieve its goals.

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Head Office

Level 9
440 Collins Street
Melbourne VIC 3000

P: 1300 007 760
F: 03 8676 1905
E: info@cre8group.com.au
W: www.cre8group.com.au

Operating hours:
9:00am - 5:00pm (AEST) weekdays