First home buyers

Your first home, sooner than you think

With the 5% Deposit Scheme, Help to Buy and NSW stamp duty relief, many first home buyers now need a fraction of the deposit they expected. We check what you qualify for and stack it all together.

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Is this you?

Buying your first home, or haven't owned in Australia for 10 years
Saving hard but the 20% deposit keeps moving away
Want to know exactly which grants and concessions apply to you
Buying alone, with a partner, or with a friend or sibling

Key facts

What you should know

5%Minimum deposit under the 5% Deposit Scheme, with no lenders mortgage insurance

$1.5mPrice cap in Sydney and NSW regional centres ($800k rest of NSW)

$0Stamp duty for NSW first home buyers on homes up to $800,000

2%Deposit with Help to Buy, where the government takes up to 40% equity

5% Deposit Scheme Eligibility Calculator

Check property price caps for your state and area, your minimum deposit, and the main eligibility rules.

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Figures current as at October 2026. Scheme rules and caps change; we confirm them for your situation.

How it works

Our process

Check your eligibility

We look at the 5% Deposit Scheme, Help to Buy, FHSS, the First Home Owner Grant and stamp duty concessions.

Get pre-approved

We reserve your scheme place with a participating lender and set your real budget.

Shop with confidence

Bid or negotiate knowing your finance and costs are worked out.

Settle and move in

We manage approval to settlement, then review your rate every year.

Questions

Frequently asked

Is there an income limit for the 5% Deposit Scheme?

No. Income caps were removed on 1 October 2025, and places are unlimited.

Can I combine the 5% Deposit Scheme with Help to Buy?

No, you choose one. Both can usually be combined with state stamp duty concessions.

Do I pay for your help?

Usually not. Lenders pay us when your loan settles. If a fee ever applies, we tell you in writing first.

Learn more

The 5% Deposit Scheme in 2026: Who Qualifies and How It Works

Buy your first home with a 5% deposit and no LMI. Here's who qualifies for the Australian Government 5% Deposit Scheme in 2026, the price caps and the catches.

5 min read

First Home Buyers

Help to Buy Explained: Buy a Home With a 2% Deposit

The federal Help to Buy scheme can contribute up to 40% of a home's price. Here's how shared equity works, the income and price caps, and who it suits.

4 min read

First Home Buyers

NSW First Home Buyer Stamp Duty Exemption: 2026 Guide

NSW first home buyers pay no stamp duty on homes up to $800,000 and less up to $1 million. Here's how the First Home Buyers Assistance Scheme works in 2026.