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{{propApi.successMessage}} {{region}} Change locationExpansion of home guarantee scheme builds hope for first homebuyers
Expansion of home guarantee scheme builds hope for first homebuyers
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The Home Guarantee Scheme comprises the First Home Guarantee, previously known as the First Home Loan Deposit Scheme, and the Family Home Guarantee. The number of places available through the First Home Guarantee has been increased from 10,000 to 35,000 per financial year, while the Family Home Guarantee now has an annual allocation of 5,000 places from 1 July 2022 until 30 June 2025.
Under the First Home Guarantee, an eligible first homebuyer can purchase a property with a deposit of as little as five per cent, while through the Family Home Guarantee a single parent with dependents can purchase a home with a deposit of as little as two per cent.
“The guarantees offer help to those Australians looking to buy their first home, recognising that saving for a deposit is the largest obstacle to achieving home ownership.
“With the current cost pressures on households, a first home buyer is facing years to save a deposit and in that time they risk being priced out of the market.
“Since its inception, HIA has been strongly supportive the Home Guarantee Scheme and its’ administration by the National Housing Finance and Investment Corporation (NHFIC). To date the scheme has helped more than 61,000 Australians get into a home of their own.
“HIA has always maintained that owning your own home is the best form of financial and personal security a person can have.
“The allocation released today takes the scheme from its original pilot phase, to a well accepted part of the home buying landscape in Australia. Since its launch it has been clear that a real problem is being addressed and most importantly that thousands of Australia’s have been assisted to buy their first home.
“NHFIC anticipates making 50,000 new Scheme places available to eligible homebuyers in the year ahead, including 10,000 places in the new Regional First Home Buyer Support Scheme.
“HIA’s research earlier this year showed that 85 percent of renters in Australia aspire to own their own home, but only 49 percent believe the dream is an achievable one.
“The Home Guarantee Scheme goes a long way to helping that dream become a reality and HIA looks forward to its continued success.”
Update: contracts signed before 1 July 2026 and optional cover
HIA will continue to update you as we receive further advice and information on the ongoing transition from Domestic Building Insurance (DBI) to the First Resort Home Warranty Scheme (FRHWS).
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