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First Home Guarantee (5% Deposit Scheme)

Australian Government 5% Deposit Scheme (formerly First Home Guarantee / Home Guarantee Scheme)

Paid by Housing Australia · 🇦🇺 Australia

Check what you're owed

What this pays

The published value, how it is calculated, and whether it is cash or a credit ceiling.

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Email and a six-digit code, then €50 a year. No password to forget.

Who qualifies

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The 5 published rules this programme tests you against — age, income, residency, household and the rest.

The steps, documents and official link are part of the paid plan. Checking how much you're owed stays free.

3 documents you'll need

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Exactly what to gather before you start, so nothing sends you back to the beginning.

Where this comes from

From 1 October 2025, the Scheme will remove limits to the number of Government guarantees available, giving all Australian first home buyers the chance to enter the market with a deposit of as little as 5% and avoid Lenders Mortgage Insurance.

https://www.housingaustralia.gov.au/support-buy-home/first-home-guarantee

A researcher has read this record against the official page.

Last checked against the official page on 5 October 2026

Source: www.housingaustralia.gov.au

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Related reading: How to read a grant eligibility rule

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