Enter your email and password to access secured content, members only resources and discount prices.
Did you become a member online? If not, you will need to activate your account to login.
If you are having problems logging in, please call HIA helpdesk on 1300 650 620 during business hours.
If you are having problems logging in, please call HIA helpdesk on 1300 650 620 during business hours.
Enables quick and easy registration for future events or learning and grants access to expert advice and valuable resources.
Enter your details below and create a login
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.
“The Housing Industry Association (HIA) welcomes commitments made today by Commonwealth and State and Territory Building Minsters in providing decisive action to pause non-essential building code changes and to reset how the NCC is developed and implemented going forward” said HIA Managing Director Jocelyn Martin.
“The availability of skilled tradespeople has worsened across Australia as home building pipelines expand again,” stated HIA Senior Economist, Tom Devitt.
HIA provided comments on the revised methodology for the Australian Apprenticeship Priority List. The Australian Apprenticeship Priority List (AAPL) is an important tool to enable government and industry to focus and prioritise those industries most in need of assistance.
McT Design & Construction was named the 2025 HIA Northern Territory Home of the Year winner for a home featuring luxurious finishes, a thoughtful U-shaped design, smart automation, and seamless blend of style, comfort and practicality.