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Launching Help to Buy
The Help to Buy shared equity scheme will assist 40,000 Australian households to purchase a new or existing home with a contribution from the Australian Government.
This will mean eligible Australians can buy a home with a smaller deposit and mortgage.
Help to Buy is expected to be open for applications later this year. Housing Australia will provide information about how you can apply for the scheme in due course.
For more information, including on eligibility criteria and the property price caps, visit the Help to Buy page on the Australian Government’s First Home Buyers website.
Email updates
To register to receive email updates on the Help to Buy scheme please enter your email address.
Please note this mailing list is for information purposes only. It does not constitute an application or expression of interest for the Help to Buy scheme.
Privacy
By completing the above form, you may have provided us with personal information (your email) for the purpose of proving you updates on the Help to Buy scheme.
Your personal information will not be used or disclosed for another purpose without your consent, except where authorised or required by law.
Personal information may be disclosed to staff and contractors in the Treasury.
For more information about our privacy practices, including how to access or correct your personal information or make a complaint, see Privacy.
5% Deposit Scheme
The 5% Deposit Scheme supports eligible homebuyers to purchase a home sooner with a lower deposit.
On 1 October 2025, the government expanded the scheme to give all first home buyers the ability to buy with a 5 per cent deposit. The number of places are now uncapped, income caps have been removed, and property price caps have been increased under all streams.
The expanded scheme includes:
- The General Stream – to support eligible first home buyers, and those who haven’t purchased within the last 10 years, to buy sooner, with a deposit as little as 5 per cent.
- The Single Parent Stream – to support eligible single parents or guardians with at least one dependent to buy a home, with a deposit as little as 2 per cent. Participants in this stream may have previously owned or be divesting a property interest and are not required to be first home buyers.
For more information, including on how to apply for the scheme, visit the 5% Deposit Scheme page on the Australian Government’s First Home Buyers website.
Helping first home buyers to save for a deposit
The First Home Super Saver Scheme helps people to boost their savings for a first home by building their deposit inside the concessionally taxed superannuation system.
This allows people to make voluntary contributions to superannuation up to a total cap of $50,000 and release the contributions and associated earnings, when buying their first home.
For more information, visit the First Home Super Saver Scheme page on the Australian Government’s First Home Buyers website.