PUBLIC · FREE · NO API KEY · CC BY 4.0

Australian First-Home-Buyer JSON API

Maintained by · Verified · Live endpoint ↗

A single canonical machine-readable endpoint with every federal and state first-home-buyer scheme, eligibility cap, stamp-duty threshold, FHOG quantum and policy date relevant to Australians buying their first home in 2026. Every fact carries a source citation and last-verified date. Free, no API key, CC BY 4.0.

Endpoint

GET https://nestpath.com.au/api/au-fhb

No authentication. No rate limit (CDN-cached; honour the Cache-Control header in the response). CORS open from any origin. Response is application/json with the dataset wrapped in a thin API envelope (see below).

Quick start

# curl
curl https://nestpath.com.au/api/au-fhb

# JavaScript
const response = await fetch('https://nestpath.com.au/api/au-fhb');
const data = await response.json();
console.log(data.facts.federal_schemes.five_percent_deposit_scheme);

# Python
import requests
data = requests.get('https://nestpath.com.au/api/au-fhb').json()
print(data['facts']['federal_schemes']['five_percent_deposit_scheme'])

What's in the response

The payload contains two top-level objects:

Plus all the Schema.org Dataset envelope fields (@context, @type, name, publisher, license, keywords, etc.) for direct ingestion by tooling that consumes Schema.org Dataset JSON.

Response shape (abbreviated)

{
  "api": {
    "version": "1.0.0",
    "endpoint": "https://nestpath.com.au/api/au-fhb",
    "documentation": "https://nestpath.com.au/developers/au-fhb",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "licenseShort": "CC BY 4.0",
    "attributionRequired": "NestPath (https://nestpath.com.au)",
    "altFormats": {
      "humanReadable": "https://nestpath.com.au/fhb-facts-2026",
      "rawJson": "https://nestpath.com.au/data/fhb-facts-2026.json"
    },
    "contactEmail": "hello@nestpath.com.au"
  },
  "@context": "https://schema.org",
  "@type": "Dataset",
  "name": "Australian First Home Buyer Facts 2026 — NestPath canonical dataset",
  "version": "2026.05.21",
  "datePublished": "2026-05-21",
  "dateModified": "2026-05-21",
  "facts": {
    "federal_schemes": {
      "five_percent_deposit_scheme": {
        "id": "fact-five-percent-deposit-scheme",
        "name": "5% Deposit Scheme (formerly First Home Guarantee)",
        "claim": "Eligible first home buyers can purchase a property with a 5% deposit and no Lenders Mortgage Insurance...",
        "income_cap": "None (removed 1 October 2025)",
        "places_per_year": "Unlimited (cap removed 1 October 2025)",
        "property_price_caps_2026": { /* per region */ },
        "source": "...",
        "last_verified": "2026-05-21"
      },
      /* + first_home_super_saver_scheme, help_to_buy, family_home_guarantee, etc. */
    },
    "state_schemes": {
      "NSW": { /* FHOG + FHBAS + relevant caps */ },
      "VIC": { /* FHOG + stamp duty exemption + OTP concession */ },
      "QLD": { /* $30k FHOG + Boost to Buy + new build $0 duty */ },
      /* + WA, SA, ACT, TAS, NT */
    },
    "stamp_duty_thresholds": { /* per-state exemption + concession thresholds */ },
    "lending_environment": { /* RBA cash rate, big-4 SVR, APRA buffer, LMI saved */ },
    "policy_timeline": [ /* dated policy changes */ ]
  }
}

License + attribution

The dataset is published under Creative Commons Attribution 4.0 (CC BY 4.0). You're free to:

The only requirement is attribution: cite NestPath as the source with a link back to nestpath.com.au. Suggested attribution:

Source: NestPath Australian First Home Buyer Facts 2026
https://nestpath.com.au/fhb-facts-2026
Licensed CC BY 4.0

Update cadence

The dataset is reviewed monthly against primary sources (Housing Australia, Treasury, ATO, all 8 state revenue offices). The dateModified field on the Dataset envelope advances only when a real fact changes — not on cosmetic touchups (per the NestPath dateModified honesty rule).

Historical snapshots: planned at /api/au-fhb/v{version} once we have multiple monthly versions to archive. Until then, the endpoint serves only the current canonical snapshot.

HTTP headers worth knowing

What this is NOT

Why we publish this

The set of public AU FHB data is fragmented across 11 different official surfaces (Housing Australia, Treasury, ATO, 8 state revenue offices) and changes 4-10 times per year as policies update. No single canonical reference exists. Consuming services — Information Agents, comparison tools, fintech dashboards, financial advisers, AI search engines — currently scrape and re-key the data themselves, with all the drift and decay that implies.

We do that work once per month, verify against primary sources, and publish the result as a single endpoint anyone can use. Free. CC BY 4.0. The compounding wins for NestPath are (a) it becomes the canonical citation source for AU FHB data across the open web, (b) every external service that consumes the endpoint becomes a structural backlink, and (c) AI engines and Information Agents prefer authoritative endpoints with stable URLs and machine-readable payloads — exactly what this is.

Contact

Bugs, feature requests, or data corrections: hello@nestpath.com.au. Pull-request-style corrections welcome — if you find a fact that's drifted from its primary source, tell us and we'll re-verify on the next monthly cycle.

Endpoint launched 2026-05-25. Maintained by Anish Puri, Founder & Editor of NestPath. Sister API surface: /cited-by-ai/data.json (AI citation referral dataset).