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The ‘Help to Buy Program’ is a shared equity scheme that will allow eligible home buyers to purchase a property with a smaller deposit.
The program works by allowing buyers with a deposit of at least 2% to obtain a loan with an equity contribution from the federal government.
The size of the equity contribution can vary from up to 30% for an existing home to 40% for a new home. This aims to assist prospective homeowners to enter the property market sooner than they would otherwise have been able, due to the smaller deposit requirements. It will also allow these home buyers to benefit from a smaller mortgage and smaller repayments.
There are 10,000 places available in the first year of the program. The program will run from 1 July 2025-1 July 2026.
To be eligible for the program applicants must:
There are also a number of matters that must be dealt with in a new home construction contract including that:
There are also some time frames that apply to off the plan purchases and new home construction:
Area | Cap |
New South Wales – capital city and regional centre | $1,300,000 |
New South Wales – other | $800,000 |
Victoria – capital city and regional |
$950,000 |
Victoria – other |
$650,000 |
Queensland – capital city and regional centre |
$1,000,000 |
Queensland – other |
$700,000 |
Western Australia – capital city |
$850,000 |
Western Australia – other |
$600,000 |
South Australia – capital city |
$900,000 |
South Australia – other |
$500,000 |
Tasmania – capital city |
$700,000 |
Tasmania – other |
$550,000 |
Australian Capital Territory |
$1,000,000 |
Northern Territory |
$600,000 |
Jervis Bay and Norfolk Island |
$550,000 |
Christmas Island and Cocos (Keeling) Islands |
$400,000 |
Area | Regional Centre |
New South Wales | Newcastle and Lake Macquarie Illawarra Central Coast Mid-North Coast Coffs-Harbour – Grafton Richmond-Tweed |
Victoria | Geelong |
Queensland | Gold Coast Sunshine Coast |
Yes. Voluntary early repayments are permitted, as is selling the property at any time.
At the time of publication, those in Queensland, Victoria, NSW, the ACT and NT can access the program and we expect other jurisdictions to follow suit.
A number of jurisdictions also have their own shared equity schemes in place.
Note : Applicants cannot access more than one scheme.
New data from the Housing Industry Association (HIA) shows that ‘gentle density’ is on the rise in a number of states.
Applications for Property Developer Licences under the ACT Property Developers Licensing Scheme opened yesterday. There is a one year phase in, meaning that by 1 October 2026 it will be mandatory for those undertaking regulated residential building work (essentially projects involving three or more dwellings) to hold a Licence.
The following is attributable to Tim Reardon, HIA’s Chief Economist
October is National Safe Work Month, which is an important time for both employers and workers to focus on, and commit to, promoting safe and healthy workplaces, according to the Housing Industry Association (HIA) Chief Executive – Industry & Policy Simon Croft.