READY TO ESCAPE THE RENTAL TRAP?

Buy a brand new home in Australia with as little as a 2% deposit

See if you qualify to become a homeowner using the Australian Government Help to Buy Scheme with as little as a 2% deposit.

2%

Deposit for eligible home buyers

Up to 40%

Contribution from Australian Government

10,000

Places in the scheme each year

What’s the Help to Buy Scheme?

Help to Buy is a shared-equity program backed by the Australian Government. It’s designed to help eligible first-home buyers purchase sooner with a much smaller deposit.

Here’s how it works:

1. You contribute a minimum 2% deposit

2. You take out a standard home loan with a participating lender

3. The Government contributes up to 30% for existing homes or 40% for new homes

4. You own and live in the home as your principal residence

The Government’s contribution reduces how much you need to borrow, which can mean lower repayments, no Lenders Mortgage Insurance (LMI), and buying years sooner instead of waiting to save 20%. There are only 10,000 places available per year, so eligibility and timing matter.

Why Use First Home Buyers Advice for Help to Buy?

The Help to Buy Scheme sounds simple on paper. In reality, eligibility rules, price caps, lender requirements, and property selection can trip people up fast. That’s where Firsthomebuyers advice comes in.

We help you understand whether Help to Buy actually works for your situation, then guide you through the process step by step. From checking your eligibility and explaining how shared equity works, to matching you with brand-new homes that qualify under the scheme, we make sure nothing is missed.

What Home Ownership Could Look Like With Help to Buy

Buy Your First Home in 3 Simple Steps

1. Book A Free First Home Buyer Strategy Call

Answer the quick questions above, then book your free call. We’ll explain how the Help to Buy Scheme works, check your eligibility, and show whether you could purchase a home with as little as a 2% deposit

2. Confirm Eligibility & Secure Finance

If you qualify, our team will guide you through the eligibility checks, connect you with a participating lender, and explain how the Government’s shared equity contribution fits into your purchase.

3. Purchase Your Home

Once approved, you’ll move forward with buying a home that meets the Help to Buy criteria. From contracts to settlement, we’ll guide you through each step so you can move in with clarity and confidence.

Google Reviews: Rated 5 Stars ⭐⭐⭐⭐⭐

★ ★ ★ ★ ★

I recently bought my first home with FHBA using the Revenue shared equity scheme, and it was an unforgettable experience. From the moment I started working with Hayley, I knew I could trust her completely to walk me through this new journey. As a first home buyer under the scheme, I had limited knowledge of how the process worked, but Hayley and the team went above and beyond to make sure I understood every step. As we moved through the process, we came across a few bumps along the way, but Hayley made sure every query was resolved efficiently and professionally. She made the finance and home loan side feel much clearer and less stressful. Working with FHBA felt like working with family, and I would highly recommend them to anyone looking to purchase their first home. If there was a way to rate FHBA 10 stars, I would, just to show how extremely satisfied I am with the service they provided. Thank you, Hayley and team.

Lucy Weim
★ ★ ★ ★ ★

I cannot praise Hayley from FHBA enough for all the help she gave me in purchasing my first home. After so many years of trying and almost giving up, Hayley made the whole process feel possible. I have never seen anyone so committed, compassionate, and willing to go above and beyond to help a client. When things became difficult, Hayley stayed by my side, kept supporting and encouraging me, and continued finding solutions instead of giving up. Her guidance through the finance and home loan process was incredible, and I am so grateful for everything she did to help me secure my first home. I highly recommend Hayley and the FHBA team. Thank you once again, Hayley. God bless.

Maria Gomez
★ ★ ★ ★ ★

I recently purchased my first home with FHBA, and the experience was honestly better than I could have hoped for. From the beginning, Hayley made me feel comfortable and supported. As a first home buyer, I had very little understanding of how the process worked, especially around finance, approvals, and what steps needed to happen next. Hayley took the time to explain everything clearly and made sure I never felt lost or overwhelmed. There were a few challenges along the way, but Hayley was always quick to respond, professional, and focused on finding a solution. She kept me updated throughout the process and made what could have been a very stressful experience feel much smoother and easier to manage. What stood out the most was how genuine the support felt. It never felt like I was just another client. Hayley and the FHBA team really cared about helping me get into my first home, and I am extremely grateful for all the guidance and effort they put in. I would highly recommend FHBA to any first home buyer who wants the right support, clear communication, and a team that genuinely cares. Thank you, Hayley and the FHBA team

Brandon Kaldi
★ ★ ★ ★ ★

My wife and I recently purchased our home with the help of FHBA, and we couldn’t be more pleased with the experience. Hayley was absolutely fantastic throughout the entire process. She was professional, knowledgeable, and always available to answer any questions we had. Her attention to detail and commitment to helping us made what could have been a stressful finance and home loan process feel incredibly smooth and simple. Hayley guided us through each step, kept us updated, and made sure we felt supported from start to finish. We highly recommend Hayley and the team at FHBA to anyone looking to buy their first home. Thank you for helping us purchase our dream home!

Jason Singh

Frequently Asked Questions

Who is Help to Buy for?

The scheme is designed for eligible Australian citizens buying their first home, within set income limits. You must live in the property as your principal place of residence, and investment purchases are not allowed.

Do I need to have perfect credit?

Not necessarily. Many of our clients have been declined by banks before coming to us. We work with finance partners who specialise in helping first home buyers get approved with flexible lending options.

How much deposit do I need?

The minimum is 2%, but the exact amount depends on your income, the property price, and your eligibility under the scheme. We’ll confirm what’s realistic for you during the strategy call, including whether the 2% minimum applies in your situation.

What income do I need to qualify?

To be eligible for Help to Buy, your taxable income must generally be $100,000 or less for singles or $160,000 or less for couples or single parents. Other factors like property price caps and your overall situation also apply, which we’ll walk through on the call.

What happens after I book a call?

Once you book, one of our advisors will call to explain how the Help to Buy Scheme works and check whether you’re likely to be eligible. If it’s a fit, we’ll outline your next steps and guide you through the process from application through to purchasing your home.

@ First Home Buyers Advice ~ Servicing all of Australia