<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=613292948846495&amp;ev=PageView&amp;noscript=1">

Can I use my super to buy a home?

A lot of first-home buyers ask the same question: “Can I use my super to help buy my first home?”

Good news — in some cases, yes you can.

But it only works through a specific scheme, and there are a few rules you need to know.

Here’s the simple version.

1. You can use super through the First Home Super Saver Scheme

The First Home Super Saver Scheme (FHSSS) lets you use some of your super contributions to help buy your first home.

Here’s how it works:

  • You make voluntary contributions into your super (either before-tax or after-tax)
  • Later, you can withdraw up to $50,000 of those voluntary contributions
  • You can then use it towards your deposit or upfront costs

You’re not pulling money out of your normal balance — only the voluntary contributions you’ve added for this purpose.

A lot of buyers do this because super is taxed at a lower rate, which helps your savings grow faster.

2. The rules you need to know

To use your super for your first home, you must:

  • Be a first-home buyer
  • Live in the property (not buy it purely as an investment)
  • Apply to the ATO before signing a contract (or within the allowed time frame)
  • Only withdraw voluntary contributions — not your full super balance

It’s not the same as “accessing your super early.”

You’re simply using the FHSSS to boost your deposit in a tax-effective way.

3. Other ways your super can’t be used

Apart from the FHSS Scheme, you generally cannot use your super to buy a home.

You can’t withdraw:

  • Your full super balance
  • Your employer contributions
  • Super for building a home (unless using FHSS funds you contributed voluntarily)

There are strict rules to protect retirement savings, so the FHSSS is the main pathway if you want to use super for property.

4. Low-deposit alternatives if you don’t want to use super

Even without using your super, there are strong options to get into the market sooner:

✔️ Home Guarantee Scheme (5% deposit, no LMI) — Makes it possible to buy with small deposits.

✔️ First Home Owner Grant (if building a new home) — Can help cover upfront costs.

✔️ MWC $10k Deposit Boost™ — Designed to help first-home buyers close the gap and get in with $5k–$15k saved.

So you don’t always need to rely on super — most of our clients get in with these lower-deposit pathways instead.

If you’re unsure which option suits you best, we can help you compare both pathways and see what’s possible.

Keys & Ease Guarantee™ 🔑

Getting the keys to your first home shouldn't be hard, risky, or full of surprises. With MWC, our guarantees are here to support you. Swipe to see how.

right-arrow

1. Low Deposit Guarantee

You can get started with the savings we quote for your chosen home package — no moving the goalposts. If we say $5k or $15K savings is enough after your eligible support, that’s all you’ll need. Stamp duty and legal fees are included in our quoted figure where applicable. And if we’re wrong? We’ll cover the shortfall — up to $5,000 to get you into a home.

How it compares...

Not all low deposits are equal. A lender’s “5% deposit” often still leaves you covering stamp duty, legal fees, and builder deposits. Others push “no or low deposit” pathways that come with high-interest deposit loans or vague figures that shift later. And those big “$55K boosts”? They’re usually nothing more than government grants, discount tricks, or standard inclusions dressed up as flashy “upgrades.”

2. Turn-key Guarantee

Every package we offer is 100% fixed-price and turn-key — driveway, site costs, fencing, landscaping, appliances, and more are included upfront. That means no hidden extras, no “upgrade surprises,” and no unfinished home. What you see in your package is what you get. If a listed inclusion is unavailable during the build, it will be replaced with an item of equal quality and standard at no extra cost to you.

How it compares...

Don’t be fooled by “base pricing” or “from $X” listings online. The fine print often excludes essentials like site costs, driveways, landscaping, and even blinds. These add up fast. Quotes are also often marked “subject to soil test or title.” And those stunning display homes? They’re usually fitted with premium extras not included in the advertised price — leaving you exposed to blowouts and budget stress.

3. No Build Deposit Guarantee

Most builders ask for a build upfront deposit before finance is even approved. Not with us — we have access to builders who waive the build deposit requirement completely for our clients. That means less pressure, less upfront savings, and more flexibility while you finalise your finance.

How it compares...

Go directly to a builder and it’s likely they’ll want 5% upfront just to “hold” your spot. Some also charge holding or tender fees ($500–$2,500) that are non-refundable or refunded minus “admin.” If your finance falls through, you risk losing money.

4. On-Time Build Guarantee

We only work with reliable, experienced builders who stick to deadlines. If your builder misses the contracted timeframe, we'll provide $200 per week in financial support (up to $5,000) until your home is completed — giving you some extra budget relief and peace of mind.

How it compares...

Many builders provide “indicative timelines” with little to no accountability if things slip. Delays from trades, approvals, or poor planning often leave buyers paying extra rent with zero support. In other words, you carry all the risk — and have no leverage to push back.

5. Build Protection Guarantee

Every build contract comes with a structural warranty and a maintenance period. If anything needs attention during this time, you can count on us to step in and coordinate with the builder — so you’re never left chasing tradies or trying to sort out problems on your own.

How it compares...

With some builders, warranty claims are left entirely in the buyer’s hands. Simple repairs can drag on for months with little urgency. Families are left waiting while builders push responsibility onto trades. Too often, buyers find themselves chasing contractors directly —with no clear support or advocacy to make sure things get resolved.

6. Free Service Guarantee

Our service is 100% free from start to finish. We don’t upsell or push extras you don’t need. Instead, we focus on finding the right home solution that fits your budget. We’re paid by the builder, which means we only succeed when you do. That’s why you can trust that every recommendation we make is about helping you move forward — not adding to your costs.

How it compares...

Builder promotions often come with hidden costs or extras buried in the fine print. Many sales reps push upgrades to increase their commissions, driving buyers well above budget. And real estate agents? They work for the seller — their job is to maximise the sale price and serve their client. not your needs as the buyer.

7. Deposit Boost Guarantee

Build your first home with us and we guarantee your MWC $10,000 Deposit Boost™ — it’s a gift, not a loan, and never needs repaying. If you’re eligible, approved, and buy with us, it’s yours. No strings attached. Just real support to help close the gap and get you into your home faster.

How it compares...

We’re yet to find anyone else offering genuine support like our $10,000 Deposit Boost. Most ads simply recycle government grants and dress them up like they’re giving you something extra. When you look closer, it’s usually just grants, discount tricks, or standard inclusions rebranded as upgrades. The truth is, they’re not promising additional money to help you close the gap — they just make it look that way.

8. Builder Confidence Guarantee

Every one of our 500+ families has had their home completed and delivered. We only work with trusted builders who have a proven track record — but if yours fails to deliver, we’ll step in. We’ll provide you with the support and information for the relevant state building authority, who will oversee getting your build back on track. During this period, we’ll also provide financial support of $200 per week (up to $5,000) until progress resumes.

How it compares...

If a builder collapses or fails to deliver, most buyers are left to chase insurance on their own while covering rent or loan costs at the same time. Many only discover too late that they have no real safety net — turning an already stressful situation into an overwhelming one.

Why our guarantees matter

At MWC, our guarantees are more than promises on paper — they’re our way of showing we’ve got your back. Buying your first home can feel overwhelming, so we’ve built extra layers of protection for our home-buyer family. Each guarantee is designed to reduce risk, build confidence, and support you from the first chat to the day you get your keys. Terms and conditions apply — see full details here

MWC-Property-Group-Lets-Go-Home-v2

Call 1300 657 184

Monday–Friday: 9am–5pm (AEST)
Free Consultations: Available 7 days a week

Supporting home buyers in VIC NSW QLD

Home • Contact us • Privacy Policy • Disclaimer • Feedback

All information, calculators, and figures shown are general guides only and do not represent financial advice or a lending offer. Actual deposit amounts, eligibility, and loan outcomes depend on your personal circumstances, lender policies, and current property prices. MWC Property Group provides free, no-obligation assessments to help you explore your options. We act as a facilitator, not a builder or land seller. View Keys & Ease™ Guarantee terms • View full disclaimer • View privacy policy

Copyright © MWC Property Group ABN 60 750 731 487