Your path to home starts here

Get into your first home sooner with the support of the Australian Government

Explore your pathways

Buying a home is a big step - and we’re here to help

The Australian Government is making home ownership more achievable for more people with new and expanded programs that make it easier to get started. 

We're delivering support where it’s needed most. From first homes to new beginnings, our programs give you more ways to step into homeownership. Because your future matters, and we’re working to make it happen. 

Find the right program for you

Wherever you’re starting from, we’ll help you find your way home. Our three programs are designed for first-time home buyers, people re-entering the market, and aspiring homeowners across Australia.

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First Home Super Saver Scheme
A smarter way to save

By making extra voluntary contributions to your super fund, you can grow your savings faster and take advantage of lower tax rates, all to help you buy or build your first home.

Find out more today!

Use your super to unlock your first home

Key features
Save up to $50,000 plus associated earnings towards your first home
Lower tax rates help your savings grow faster
Flexible contributions - choose how and when you contribute
Use with other government home buying schemes
Buy your first home with a partner, sibling or friend
Learn more
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Australian Government 5% Deposit Scheme
Low deposit, no LMI

Imagine unlocking the door to your very own home, sooner than you ever thought possible. Fast-track your path to home ownership with the Australian Government 5% Deposit Scheme. The Scheme is designed for aspiring home buyers just like you – making home ownership more achievable by helping you buy sooner with a small deposit.

Minimum 5% deposit for first home buyers

Minimum 2% deposit for single parents

Key features
Buy with a lower home deposit
No income caps
Save on upfront fees
Buy a house, townhouse or unit, existing or new build
Unlimited Scheme places and no waiting list
Learn more
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Australian Government Help to Buy Scheme
Bridging the gap to buying your new home

Coming soon! The Help to Buy Scheme is a new initiative designed to make home ownership more achievable with shared equity support from the Australian Government. If you have saved what you can, but are still a little short of being able to buy a home that meets your needs, Help to Buy may be able to bridge the gap.

Minimum 2% deposit

Key features
Buy with as low as a 2% deposit
Government contributes up to 30% or 40% towards your home purchase
The home is yours to live in and enjoy
No regular ongoing payments, repay when you can or when you sell
Open to both first and previous homeowners
Learn more

New and expanded programs are making home ownership possible for more Australians

Lower deposit requirements
No Lenders Mortgage Insurance
New increased price caps across Australia
Available to more buyers, not just first-timers
Fast track your savings
Move in sooner

This page gives general information about the Australian Government Schemes to support home buyers. Please note that not all benefits, features, or entitlements listed may be applicable across all Schemes. Eligibility and benefits may vary depending on the specific Scheme, provider, or individual circumstances. We recommend reviewing the relevant Scheme documentation or contacting the Scheme administrator for more information.