Help to Buy Scheme

How to get into a home sooner with government support

Upcoming webinar!

Register NOW for this complimentary webinar and learn everything you need to know before the Help to Buy Scheme officially goes live.

You’ll walk away knowing:
✅ How the scheme works (and who qualifies)
✅ How to get “application-ready” early
✅ What to do now so you can move fast when it opens

Be ahead of the pack and register now by completing the details below - you will be sent the event link after registration.

What you need to know

  • What is it?

    The Help to Buy Scheme is a new Australian Government initiative designed to make home ownership more achievable for everyday Australians.

    Through the scheme, the government will co-buy your home with you, contributing up to 40% of the purchase price for a new build or 30% for an existing home. This shared-equity model means you only need a small deposit (sometimes as little as 2%) and a smaller loan, which can make monthly repayments far more manageable.

    You still own your home and live in it as normal; the government simply holds a share in the property that you can buy back over time or when you sell.

  • Who is eligible?

    To qualify, you’ll need to meet a few key criteria:
    ✅ Be an Australian citizen aged 18 or over
    ✅ Earn up to $100,000 as an individual or $160,000 as a couple (based on current guidelines)
    ✅ Plan to live in the property (it must be your home, not an investment)
    ✅ Meet property price caps, which vary by state and region

    This program isn’t just for first-home buyers. It’s also ideal for couples planning their future, or anyone earning under the income cap who wants to take advantage of government support to finally own a home.

  • Why it matters

    For many Australians, saving a 20% deposit feels impossible, especially with rising prices and rents. The Help to Buy Scheme helps bridge that gap, giving you a chance to buy sooner and start building equity instead of paying rent.

    Because the government shares part of the cost, you’ll need a smaller loan and can often avoid or reduce Lenders’ Mortgage Insurance (LMI). Plus, there’s no interest paid on the government’s share — you simply repay their portion later when you choose to buy them out or sell the property.

    With limited spots available each year, now’s the time to learn how it works and get yourself “application-ready.”

Find out more