Deposit guarantee support
An eligible buyer may be able to purchase through a participating lender with a smaller deposit while the government guarantees part of the loan. This is not a cash payment and the borrower remains responsible for the loan.
State grants and duty concessions
First home owner grants and transfer-duty concessions are administered by states and territories. Property type, value, residency and timing rules vary.
First Home Super Saver pathway
Eligible voluntary super contributions may be released under the applicable rules to help fund a first home. Contribution, release and timing requirements should be checked with the ATO.
Check eligibility before committing
Confirm current rules on an official government website and ask your conveyancer or tax adviser about matters within their expertise. Do not rely on an old news article or social-media summary.
Common questions
Questions first home buyers ask
Can first home buyers use more than one form of assistance?
Sometimes, but each program has its own rules and interactions. Confirm eligibility for every program and obtain appropriate advice before relying on combined support.
Are first home buyer schemes available for every property?
No. Price caps, property types, occupancy requirements, locations and other restrictions may apply.
Does a government guarantee mean the government pays my deposit?
No. A guarantee supports part of an eligible loan. The buyer still provides the required contribution and remains responsible for repayments and other purchase costs.