Federal

The Australian Government runs several programs that can help eligible home buyers: a low-deposit guarantee scheme, a shared-equity scheme, and a way to use eligible super contributions toward a first home. Each has its own eligibility rules and current settings, which change from time to time.

Australian Government 5% Deposit Scheme

A government guarantee that can help eligible first-home buyers purchase with a minimum 5% deposit and no Lenders Mortgage Insurance, through a Participating Lender. Eligible single parents or legal guardians may be able to use a separate minimum 2% pathway. The guarantee supports the lender. It is not a cash payment to the buyer, and normal lender credit assessment still applies.

Read the full 5% Deposit Scheme guide

Help to Buy

A shared-equity scheme where the Government contributes toward the purchase price in exchange for a corresponding equity share in the property. Separate eligibility, income thresholds and property price caps apply, and it cannot currently be combined with the 5% Deposit Scheme.

Read the full Help to Buy guide

First Home Super Saver Scheme (FHSS)

Allows eligible voluntary super contributions, plus an ATO-calculated amount of associated earnings, to be released to help buy or build a first home. This is not access to your normal compulsory super balance, and current contribution caps and tax rules apply.

Read the full FHSS guide

Research reviewed: 28 August 2026, based on the official sources linked on this page. This is a drafting baseline, not a live compliance check. Confirm current details with the official source before relying on a figure or condition.

General information only. Program rules, amounts and eligibility can change. Check the official government source before relying on a current figure or condition.