What is the Help to Buy scheme?
Help to Buy is a shared equity scheme run by Housing Australia. You pay a deposit of as little as 2% and a participating lender funds a smaller mortgage. The government contributes the rest as a share of the home, up to 30% for an existing home or 40% for a new one. You hold the title. It is not a grant.
| Part of the purchase | Who provides it | What it means for you |
|---|---|---|
| Deposit | You | At least 2% of the price, plus the most you can reasonably contribute. |
| Government contribution | The Commonwealth | Up to 30% (existing) or 40% (new) of the price. It sits beside your mortgage, not on top of it. |
| Mortgage | A participating lender | The price less your deposit and the government contribution. |
The government charges no interest and no rent on its share, and you make no ordinary monthly repayment to it. You repay it when you sell, when you buy it back, or when a required repayment applies. Mortgage repayments still go to your lender. The sections below cover each of these in turn.
What are the pros and cons of Help to Buy?
The scheme lowers the deposit and the mortgage, and charges no interest on the government share. In return, the government owns a percentage of your home and takes that percentage of its value back when you sell. Income caps, limited places and ongoing duties apply. Both sides are set out below.
What it does
- Needs a 2% deposit instead of 5% or 20%.
- Cuts the mortgage, because the government contribution replaces part of the loan.
- No interest or rent on the government share.
- No ordinary monthly repayment to the government.
- Grants and stamp duty concessions can still apply.
What it asks of you
- The government owns a share of the home’s value and takes that share back when you sell.
- You repay a percentage of the value at the time, not the original dollars.
- Income caps and a limit of 10,000 places a year apply.
- You must live in the home, keep it insured and take part in reviews.
- Improvements over the threshold must be notified first.
When did Help to Buy start, and is it available in my state?
Applications opened on 5 December 2025. Help to Buy is available in all states and territories. Housing Australia runs it and offers 10,000 places each year. Seven lender brands are on the official panel today.
| Item | Fact |
|---|---|
| Applications opened | 5 December 2025 |
| Administered by | Housing Australia |
| Places | 10,000 each year |
| Where | All states and territories |
| Participating lenders | Seven brands. See the dated list of Help to Buy lenders. |
| Current rules version | Fact Sheet dated 1 July 2026 |
Who is eligible for Help to Buy?
Every applicant must be an Australian citizen aged 18 or over, buying a home to live in, at or under the income cap, owning no property now and in real need of the help. A participating lender must also approve the mortgage. Meeting the scheme rules does not mean a lender will say yes.
| Test | The rule |
|---|---|
| Citizenship | Every applicant must be an Australian citizen. Permanent residence alone is not enough. |
| Age | Every applicant must be at least 18. |
| Number of applicants | Apply alone or with one other person. Both must qualify. |
| Income | At or under the cap for your applicant type, using your Notice of Assessment for the previous financial year. |
| Property you own | You generally cannot currently own or beneficially own property in Australia or overseas. Specific single parent exceptions apply. |
| Living in it | The home must be your principal residence while you are in the scheme. |
| Financial need | You must need the help. Buyers who can buy with their own savings and borrowing capacity are not eligible. |
| Lender approval | A participating lender must approve your mortgage and assess your financial capacity. |
| Other help | You cannot combine it with another shared equity scheme or a government home purchase loan or guarantee on the same purchase. Help to Buy can be combined with the First Home Super Saver scheme, first home owner grants and stamp duty concessions, provided each program’s conditions are met. |
The financial need test catches many buyers off guard. Housing Australia says buyers who could buy using their own savings and borrowing capacity, without the scheme, are not eligible. The lender runs that assessment, and the calculator above models it when you enter a borrowing capacity.
What are the Help to Buy income limits in 2026 to 2027?
$103,000 is the individual limit; $165,000 applies to joint applicants and qualifying single parents for 1 July 2026 to 30 June 2027. A figure exactly at the cap still passes. Housing Australia uses your Notice of Assessment for the previous financial year, which is FY2026 for this period.
| Applicant type | 1 July 2026 to 30 June 2027 | Before 1 July 2026 |
|---|---|---|
| Single applicant | $103,000 | Up from $100,000 |
| Single parent applicant | $165,000 | Up from $160,000 |
| Joint applicants (combined) | $165,000 | Up from $160,000 |
Joint applicants add their incomes together and the combined figure is tested. The caps are indexed each 1 July. Self employed buyers use the same Notice of Assessment test. How a lender counts self employed income is the lender's own policy and is a separate question.
Can I use Help to Buy if I have owned a home before?
Often yes. Previous ownership alone does not rule you out of Help to Buy. What counts is whether you own property now, in Australia or overseas. The ten year test belongs to the 5% Deposit Scheme, not this one. Single parents have specific exceptions.
| Situation | Position |
|---|---|
| You own property now | Generally not eligible. This covers beneficial ownership and property overseas. |
| You owned property in the past and own none now | Can qualify. Previous ownership alone does not create a ten year exclusion. |
| Single parent with a buyout or sale exception | Specific exceptions apply. Check the official guidance before you rely on one. |
What are the Help to Buy property price caps in each state?
$400,000 to $1,300,000 is the range of location caps. The lowest applies on Christmas Island and the Cocos (Keeling) Islands, the highest in NSW capital and designated regional centres. The price of the home must be at or under the cap for its location. A price cap is not a borrowing approval.
Help to Buy price caps by location. Source: Housing Australia. The table below holds the same numbers.
| State or territory | Capital or designated regional centre | Other areas |
|---|---|---|
| New South Wales | $1,300,000 | $800,000 |
| Victoria | $950,000 | $650,000 |
| Queensland | $1,000,000 | $700,000 |
| Western Australia | $850,000 | $600,000 |
| South Australia | $900,000 | $500,000 |
| Tasmania | $700,000 | $550,000 |
| Australian Capital Territory | $1,000,000 throughout | Not separately classified |
| Northern Territory | $600,000 | $600,000 |
| Jervis Bay Territory and Norfolk Island | Not separately classified | $550,000 |
| Christmas Island and Cocos (Keeling) Islands | Not separately classified | $400,000 |
Which places count as designated regional centres?
| State | Designated regional centres |
|---|---|
| New South Wales | Newcastle and Lake Macquarie, Illawarra, Central Coast, Mid North Coast, Coffs Harbour and Grafton, Richmond and Tweed |
| Victoria | Geelong |
| Queensland | Gold Coast and Sunshine Coast |
Only those named places get the higher cap. A large regional town that is not on the list uses the lower cap. If a suburb or postcode is unclear, use Housing Australia's lookup on the official cap page.
Which homes qualify for Help to Buy?
Existing homes and qualifying new homes both qualify, including eligible house and land packages and land and build contracts. New homes get the higher 40% ceiling. A seller calling a home new is not enough. A completed new home must never have been lived in, rented out or previously sold, and off the plan and construction purchases have their own timing rules.
| Home type | Government ceiling | Timing and checks |
|---|---|---|
| Existing home | Up to 30% of the price | You live in it as soon as settlement occurs. |
| Completed new home (never lived in) | Up to 40% of the price | A seller calling a home new is not enough. It must be newly built and never lived in, rented out or previously sold. You live in it within 3 months of completion. |
| Off the plan purchase | Up to 40% of the price | Construction must have started before you sign the contract. Settlement must occur within 90 days of your final approval. |
| House and land, or land plus a build contract | Up to 40% of the price | Land settles within 90 days of final approval. Building starts within 12 months of owning the land and finishes within 36 months. The land price plus the total build cost, including variations, must stay within the price cap. |
For a build, the price includes the land and the eligible building contract price. Housing Australia's Building a New Home Guide sets the timing rules above. A contract variation that lifts the build cost by $21,000 or more is also an adjustment event, up from $20,000 in the year to 30 June 2026.
How much deposit and savings do I need?
2% of the price is the minimum deposit, which is $12,000 on a $600,000 home. That is a floor. You must contribute the most that is reasonably affordable, and purchase costs sit on top of the deposit. Emergency savings can be considered in the assessment.
| Item | What applies |
|---|---|
| Minimum deposit | 2% of the purchase price. This is a floor, not a target. |
| Reasonable contribution | You must put in the most that is reasonably affordable for you. The lender can ask for more than 2%. |
| Purchase costs | Stamp duty, legal and other costs are on top of the deposit. |
| Emergency savings | Housing Australia says emergency savings can be considered when your contribution is assessed. |
This is why two buyers with the same price can get different splits. A buyer with more savings is expected to put more in. The government contribution then fills the remaining gap. Work out your own purchase costs with the stamp duty calculator, because duty varies by state.
How much could the government contribute and how much would I borrow?
30% for an existing home and 40% for a qualifying new home are the maximum contributions, but you only get what you need. Normally the contribution is at least 5% of the price, and your deposit plus the contribution must reach 20% of the valuation. The lender sets the actual split.
| Step | Rule used in the calculator |
|---|---|
| Funding gap | Price less your deposit less your borrowing capacity. |
| Gap is zero or less | The purchase can be funded without the scheme, so assistance may not be available. |
| Gap is above the maximum | Funding is not enough. The shortfall is the gap less the maximum contribution. |
| Gap is within the maximum | The contribution is the highest of: the gap, 5% of the price, 20% of the valuation less your deposit, and the price less your deposit less 80% of the valuation. |
| Your mortgage | Price less deposit less the contribution. |
| Government share of the home | The contribution divided by the lower of the price or the initial valuation, rounded down to two decimal places. |
Put your own numbers in the calculator at the top of this page. Leave borrowing capacity blank to see the maximum contribution as an illustration. Add it to see a modelled split. Your lender and Housing Australia make the real decision. The mortgage repayment calculator turns a loan amount into repayments.
How does Help to Buy work on a $600,000 existing home or a $750,000 new home?
On a $600,000 existing home at the maximum 30%, the split is a $12,000 deposit, $180,000 from the government and a $408,000 mortgage. On a $750,000 new home at the maximum 40%, it is $15,000, $300,000 and $435,000.
How the government share worksHypothetical purchase prices. Maximum contribution, valuation equal to price, purchase costs left out. Not a lending offer.
| Component | Existing home | Qualifying new home |
|---|---|---|
| Purchase price | $600,000 | $750,000 |
| Deposit at 2% | $12,000 | $15,000 |
| Government rate assumed | 30% | 40% |
| Government contribution | $180,000 | $300,000 |
| Mortgage | $408,000 | $435,000 |
| Government share, valuation equal to price | 30% | 40% |
| Deposit at 5% under the 5% Deposit Scheme | $30,000 | $37,500 |
| Mortgage under the 5% Deposit Scheme, before costs | $570,000 | $712,500 |
These two cases show the ceiling. A real purchase can have a smaller contribution, a higher deposit and a valuation that differs from the price. If the lender values the home below the price, the government share is worked out on the lower figure.
What happens if my home's value rises or falls?
The government share is a percentage, so its dollar value moves with the home. A 30% share of a home worth $600,000 is $180,000. If the home rises 20% to $720,000, the share is worth $216,000. If it falls 20% to $480,000, the share is worth $144,000. These are scenarios, not forecasts.
Scenario bars only. No dates and no growth forecast. The percentage stays at the starting level.
| Change in value | Existing home value | Government share at 30% | New home value | Government share at 40% |
|---|---|---|---|---|
| Down 20% | $480,000 | $144,000 | $600,000 | $240,000 |
| Down 10% | $540,000 | $162,000 | $675,000 | $270,000 |
| No change | $600,000 | $180,000 | $750,000 | $300,000 |
| Up 10% | $660,000 | $198,000 | $825,000 | $330,000 |
| Up 20% | $720,000 | $216,000 | $900,000 | $360,000 |
The government carries part of the rise and part of the fall. What you keep is the rest of the value, but that is not your net equity. Your mortgage balance and the costs of selling still come out of it. The eligibility checker covers other schemes you may be able to use.
How do I repay or buy back the government's share?
You can repay in parts or in full at any time. A part repayment must be at least 5 percentage points of the current property value, which lowers a 30% share to 25%. You can also repay the whole share. Valuation and administration costs apply. Selling also repays it.
| Method | How it works |
|---|---|
| Voluntary part buy back | Repay at least 5 percentage points of the current property value. A 30% share becomes 25% at the minimum. The Customer Guide refers to a nearest $1,000 treatment. Valuation and administration costs apply. |
| Voluntary full repayment | Repay the whole remaining share. Valuation and administration costs apply. |
| Sale | You repay the current government percentage times the higher of the valuation or the total sale price. |
| Refinance inside the panel | Another participating lender may be possible with the required approvals. |
| Refinance outside the panel | The government share must be repaid in full. |
| Income stays above the cap | Two consecutive financial years above the cap can trigger a repayment assessment. See the table below. |
Example. A home is valued at $700,000. Five percentage points is $35,000. Paying that moves a 30% share to 25%. The minimum is set on the property value, not as a small slice of the dollars the government put in. Housing Australia's own guide words this two ways, and the General Terms use the property value version.
What happens if my income goes above the limit?
One year above the income cap alone does not meet the two consecutive year repayment assessment trigger. Other review and notification obligations still apply. Two consecutive financial years above it can trigger an assessment of your capacity to repay, which depends on your financial capacity. It is not an automatic forced sale. Housing Australia also reviews participation at least every 5 years.
| Event | What is reviewed | Possible action |
|---|---|---|
| Income above the cap for one financial year | One year above the income cap alone does not meet the two consecutive year repayment assessment trigger. | Other review and notification obligations still apply. Tell Housing Australia about changes that might affect your eligibility, and keep the next year’s Notice of Assessment in mind. |
| Income above the cap for two consecutive financial years | Housing Australia can assess your capacity to repay. | Repayment depends on your financial capacity. It is not an automatic forced sale. |
| Scheduled review | Income and participation are reviewed at least every 5 years, and can be earlier. | Provide the evidence asked for. |
| Building insurance | Evidence is required each year. | Send the certificate when asked. |
Who pays rates, insurance, repairs and other costs?
You do. No interest on the government share does not make ownership free. You pay the mortgage, council rates, strata fees, insurance, utilities, repairs and improvements. The government does not pay its percentage of any of these. Housing Australia cannot charge scheme application or approval fees.
| Cost | Who pays | Note |
|---|---|---|
| Mortgage repayments | You, to the lender | No ordinary monthly repayment goes to the government. |
| Interest or rent on the government share | Nobody | None charged. |
| Deposit and purchase costs | You | Stamp duty and legal costs vary by state. Use the stamp duty calculator. |
| Scheme application and approval fees | Nobody | Housing Australia cannot charge them. |
| Valuation and other permitted costs | You | Can be passed on, for example at a buy back. |
| Council rates and strata fees | You | The government does not pay its percentage of these. |
| Building insurance and utilities | You | Insurance evidence is needed every year. |
| Repairs, maintenance and improvements | You | The government does not provide extra funding. |
Can I renovate a home bought through Help to Buy?
Yes. You must notify Housing Australia before you start improvements costing $21,000 or more within 12 months, or any work that needs council approval. A qualifying improvement can lower the government percentage so you keep the value you add. Repairs and maintenance are not improvements.
| Type of work | Treatment |
|---|---|
| Repairs and maintenance (a new roof section, plumbing fixes, repainting) | Your cost. They keep the home as it is, so they are not treated as value adding. |
| Improvements of $21,000 or more within 12 months | Notify Housing Australia before you start. A valuation process applies. |
| Any work that needs council approval | Notify before you start, whatever it costs. |
| Improvements under the threshold | No notification needed for the threshold. Council approval still triggers it. |
How the process runs
- Scope the work and get quotes, and check whether council approval is needed.
- Notify Housing Australia before you start. A valuation process follows.
- You fund the work and keep the completion evidence.
- Housing Australia adjusts the government percentage using the assessed value the improvement created. Spending and value added are different amounts.
The idea, with made up numbers. The government share is $180,000 on a home assessed at $600,000. After a notified improvement the home is assessed at $650,000. The government dollars stay at $180,000, so the percentage falls to about 27.69%. The approved percentage comes from Housing Australia, not from this sum. The threshold was $20,000 in the year to 30 June 2026.
Can I sell, refinance or rent out my Help to Buy home?
You can sell. You repay the current government percentage times the higher of the valuation or the total sale price. Refinancing to another participating lender may be possible. Leaving the panel means repaying the share in full. The home must stay your principal residence. You cannot rent out a room, and you can lease the whole home only during an absence Housing Australia has approved.
| Action | Position |
|---|---|
| Sell | Repay the current government percentage times the higher of the valuation or the total sale price. |
| Refinance to another participating lender | May be possible with the required approvals. |
| Refinance to a lender outside the panel | The Commonwealth share must be repaid in full. |
| Move out | The home must stay your principal residence. Exceptions need approval. |
| Rent out a room or take a paying boarder | Not allowed while you take part. No part of the home can be occupied for a fee. |
| Rent out the whole home | Only during an absence Housing Australia has approved, such as a Defence posting, an employer relocation or serious illness, and only if you notify the lease first. |
| Separate from a co applicant, or change who owns the home | Tell Housing Australia as soon as possible, because changes to ownership or living arrangements can prompt an earlier review. It sets no single outcome. |
Example. The share is 30%. The home is valued at $660,000 and sells for $640,000. The repayment base is the higher figure, $660,000, so the repayment is $198,000. Some summaries say the share is taken from the sale price only. The General Terms say the higher of the two.
How does Help to Buy compare with the 5% Deposit Scheme, formerly the First Home Guarantee?
Help to Buy shares your home with the government and needs a 2% deposit, but has income caps and 10,000 places a year. The 5% Deposit Scheme guarantees part of your loan, needs 5%, has no income cap and no equity share. Citizens only for one, citizens and permanent residents for the other. You cannot use both on one purchase.
| Feature | Help to Buy | 5% Deposit Scheme |
|---|---|---|
| What the government does | Contributes to the purchase and takes a share of the home’s value | Guarantees part of the lender’s exposure. No equity share |
| Ordinary minimum deposit | 2% | 5% |
| Eligible single parent pathway | 2% | 2% |
| Income ceiling | $103,000 individual. $165,000 joint or single parent | None since 1 October 2025 |
| Places | 10,000 each year | Unlimited, no waiting list |
| Citizenship | Australian citizens only. Permanent residence alone is not enough | Australian citizens or permanent residents |
| Previous owners | Can qualify. Current ownership rules and exceptions apply | Ordinary pathway: first buyer, or no Australian property in the last 10 years |
| Government shares future value | Yes. You repay a share of the home’s value later | No |
| Lenders mortgage insurance at entry | Not payable under the scheme structure | Not payable under the scheme structure |
| Size of your mortgage | Smaller. The government contribution replaces part of the loan | You borrow the price less your deposit |
| Property price caps | Own table, set out above | Own table. NSW capital and Darwin differ |
| Both on the same purchase | No | No |
| Lender panel | Separate Help to Buy panel | Separate, broader panel |
| Main continuing duties | Live in it, maintain it, insure it, take part in reviews, repay the share | Loan repayments and the scheme’s continuing conditions |
Where the price caps differ
| Location | Help to Buy cap | 5% Deposit Scheme cap |
|---|---|---|
| New South Wales, capital or designated regional centre | $1,300,000 | $1,500,000 |
| Northern Territory, Darwin | $600,000 | $750,000 |
In every other location the two tables match. Do not reuse one scheme's cap for the other. Same property, two schemes: on the $600,000 existing home the deposit is $12,000 with Help to Buy against $30,000 with the 5% Deposit Scheme, and the mortgage is $408,000 against $570,000, before costs. The trade is the equity share. A broker can run both against your own numbers.
How do I apply for Help to Buy, and which lenders can help?
You apply through a participating lender, which assesses your mortgage and the scheme application together. Conditional scheme approval normally reserves a place for 90 days, and a further 90 days may be approved. Housing Australia lists seven lender brands today, and the dated list is kept on its own page.
| Step | What happens |
|---|---|
| 1. Check the basics | Citizenship, age, income, price cap, deposit. Use the calculator on this page. |
| 2. Pick a participating lender | Applications go through a participating lender. Check the lender directory. |
| 3. Lender assesses you | The lender assesses the mortgage and the scheme application, including your financial capacity. |
| 4. Conditional scheme approval | This normally reserves a place for 90 days. A further 90 days may be approved. |
| 5. Find and value the home | The initial valuation affects the contractual share. |
| 6. Contracts and settlement | You hold title. The government interest is secured through the scheme arrangements. |
Official brands today: Bank Australia, Commonwealth Bank, Teachers Mutual Bank, Health Professionals Bank, Firefighters Mutual Bank, UniBank, Queensland Country Bank. Four of these belong to one banking group, Teachers Mutual Bank. See the Help to Buy lenders page for when each joined and how each takes applications. We found no standard approval timeframe in the sources we checked. Confirm timing with your lender.
Buying in Queensland? Boost to Buy is a separate state shared equity scheme, covered on the Boost to Buy page. Help to Buy cannot be combined with another shared equity scheme on the same purchase.
Who does Help to Buy suit, and who does it not?
Help to Buy suits buyers who meet the eligibility rules and are willing to trade a share of future value for a smaller deposit and mortgage. It suits them less if they want to keep all future value or are not citizens. This is how the rules treat each case, not a recommendation.
| Situation | How Help to Buy treats it |
|---|---|
| Deposit of 2% to 5% | Meets the 2% minimum. The lender can still ask for more. |
| Permanent resident, not a citizen | Not eligible. The 5% Deposit Scheme accepts permanent residents. |
| Wants to keep all future value | The scheme gives the government a share of it. |
What can a participating broker check for you?
A broker who works with a participating lender can check whether you qualify and compare Help to Buy with the 5% Deposit Scheme.
Find a brokerAlso useful: the eligibility checker, the mortgage repayment calculator and the stamp duty calculator. See all first home buyer schemes.
Help to Buy questions answered
What is the Help to Buy scheme?
Help to Buy is an Australian Government shared equity scheme run by Housing Australia. You pay a deposit of as little as 2%, the government contributes up to 30% of the price of an existing home or 40% of a qualifying new home, and your lender funds the rest. You own the home and hold title. The government share is repaid later as a percentage of the home’s value.
What are the Help to Buy income limits?
For 1 July 2026 to 30 June 2027 the limits are $103,000 for a single applicant and $165,000 for joint applicants or a single parent. A figure exactly at the cap still passes. Housing Australia uses your Notice of Assessment for the previous financial year.
Can I get Help to Buy if I have owned a home before?
Yes, you can. Previous ownership alone does not exclude you. The rule is about what you own now: you generally cannot currently own property in Australia or overseas. Specific exceptions apply to single parents. The ten year ownership test belongs to the 5% Deposit Scheme, not to Help to Buy.
Can permanent residents use Help to Buy?
No. Every applicant must be an Australian citizen. Permanent residents can look at the 5% Deposit Scheme instead, which accepts citizens and permanent residents.
Do I always get the maximum 30% or 40%?
No. 30% and 40% are ceilings. Your lender assesses your financial capacity and the most reasonable deposit you can contribute, and the government contribution fills the gap, normally at least 5% of the price. Use the calculator above to see how a funding gap changes the result.
What happens when I sell a Help to Buy home?
You repay the current government percentage multiplied by the higher of the valuation or the total sale price. If your share is 30% and the home sells for more than it was valued at, the repayment is still worked out on the higher figure.
Can I pay back the government share early?
Yes. You can buy back at least 5 percentage points of the current property value at a time, or repay the whole remaining share. Valuation and administration costs apply.
What if my income rises above the cap after I join?
One year above the income cap alone does not meet the two consecutive year repayment assessment trigger. Other review and notification obligations still apply. Two consecutive financial years above it can lead to a repayment assessment, and the outcome depends on your financial capacity. It is not an automatic forced sale.
Can I renovate a Help to Buy home?
Yes. You must notify Housing Australia before starting improvements that cost $21,000 or more within 12 months, or any work that needs council approval. Qualifying improvements can lower the government percentage so you keep the value they add. Repairs and maintenance are your cost.
Does Help to Buy waive stamp duty?
No. State stamp duty concessions are separate. Grants and concessions can stay available alongside Help to Buy. Use the stamp duty calculator for your state.
Is Help to Buy better than the 5% Deposit Scheme?
They suit different situations and cannot be used on the same purchase. Help to Buy needs a smaller deposit and gives a smaller mortgage, but the government shares the home’s future value and income caps apply. The 5% Deposit Scheme has no income cap and no equity share. The comparison table above sets them side by side.
How do I apply for Help to Buy?
Apply through a participating lender. The lender assesses your mortgage and the scheme application together. See the dated list of Help to Buy lenders for who is on the panel today.
Sources
How we checked: every figure on this page was read on the official source pages listed below on 28 October 2026.
| Publisher | Title | Page date |
|---|---|---|
| Housing Australia | Help to Buy scheme overview | No date shown on the page |
| Housing Australia | Help to Buy Fact Sheet | 1 July 2026 (version 260701) |
| Housing Australia | Help to Buy income and threshold updates | Periods shown: 1 July 2025 to 30 June 2027 |
| Housing Australia | Help to Buy property price caps | No date shown on the page |
| Housing Australia | 5% Deposit Scheme property price caps | No date shown on the page |
| Housing Australia | 5% Deposit Scheme overview | No date shown on the page |
| Housing Australia | Help to Buy frequently asked questions | No date shown on the page |
| Housing Australia | Help to Buy Customer Guide | Version 260701 |
| Housing Australia | Help to Buy General Terms | No date shown on the document |
| Housing Australia | Help to Buy Building a New Home Guide | Version 260701 |
| Housing Australia | Help to Buy Home Improvements Guide | Version 260701 |
| Housing Australia | Help to Buy participating lenders | No date shown on the page |
| Australian Government (Federal Register of Legislation) | Housing Australia Directions for the Help to Buy scheme | 13 June 2025 |
| Housing Australia | First Home Buyers homepage (opening date) | No date shown on the page |
The worked examples, funding split and rise and fall scenarios are NestPath calculations from the rules above. They use no interest rate, no fees and no price forecast.
This page is general information, not personal advice. It does not take your objectives, finances or needs into account. NestPath may be paid a referral fee if a loan arranged through a broker we introduce settles. How NestPath makes money.