Help to Buy is a Federal Government scheme designed to make home ownership more accessible for Australians. If saving a large deposit or qualifying for a big loan has been holding you back, this shared equity pathway could make things possible sooner.
How it works
Help to Buy is a shared equity scheme — meaning the Government purchases a portion of the property alongside you.
The Government can contribute:
-
Up to 40% for a new home
-
Up to 30% for an existing home
Because of this structure:
-
You borrow less from the bank
-
You may only need a minimum 2% deposit
-
You can avoid Lenders Mortgage Insurance (LMI)
We specialise in helping buyers secure land and build new homes, where the 40% contribution can significantly reduce borrowing pressure.
Why it could be a game-changer
If rising prices or low savings have kept you out of the market, Help to Buy can:
-
Reduce your upfront costs
-
Lower your borrowing requirement
-
Reduce repayment pressure
-
Help you enter the market sooner
For the right buyer, it’s not about owning less — it’s about getting started sooner.
Who’s eligible?
Help to Buy is designed for Australian Citizens who don’t currently own property and want to step into the market with a smaller deposit and loan.
To apply, you must:
-
Be 18 years or older
-
Be an Australian Citizen
-
Have a minimum 2% deposit
-
Earn $100,000 or less (individual) or $160,000 or less (couples or single parents) based on your most recent tax return
-
Live in the home as your principal place of residence
-
Not currently own property in Australia or overseas (some exceptions may apply for single parents)
Property price caps also apply for this scheme. You can read the official Government overview here
Who is the lender?
Only selected Australian lenders are authorised to offer Help to Buy. These lenders manage both the home loan and the scheme approval process to ensure everything meets the Government’s criteria.
Can I achieve full ownership?
Yes. Help to Buy is designed as a pathway toward full ownership. You can gradually buy back part or all of the Government’s share over time, depending on your financial position.
What happens if I sell?
If you sell the property, the Government receives the same percentage share of the sale price as their original contribution.
-
This includes any capital growth.
-
You retain your share of the equity.
How we help
We guide buyers from start to finish. That includes:
-
Assessing whether the scheme suits your situation
-
Connecting you with an authorised lender
-
Supporting you through approval
-
Helping you secure land and coordinate your build
-
Streamlining the entire process
And yes — our $10K Deposit Boost™ still applies when purchasing through our build partnerships.
Start now
Places under Help to Buy are limited each year — it’s very much first in, best dressed. If you’d like to understand how it applies to you personally, chat to our team today.
