Get into a home sooner with Help to Buy
Stop waiting to save a 20% deposit. Help to Buy is a government scheme that lets you buy with just 2%, and the government helps bridge the gap. I'll educate you on how it works and guide you through the application.
How the Help to Buy scheme works
Help to Buy is a shared equity scheme. You buy the home with a 2% deposit and a mortgage. The government contributes 30% (existing homes) or 40% (new builds) toward the price. You own the home, but share equity with the government until you repay their contribution.
Only 2% deposit needed
No more saving for years. You can buy now with just 2% of the purchase price.
Government contributes
30% for existing homes, 40% for new builds. This bridges the gap between your deposit, your loan, and the property price.
You own the home
It is yours to live in. You build equity, and when ready, you can repay the government share.
Help to Buy eligibility
How I help you get into your home
Eligibility check
I explain Help to Buy clearly and verify you meet the criteria—income, deposit, first-time buyer status.
Application
I prepare your application through a participating lender and submit it to Housing Australia on your behalf.
Conditional approval
Once approved, you get a conditional approval letter. You then have up to 90 days to find and purchase a home.
Settlement
I coordinate with all parties—your lender, Housing Australia, your solicitor. You settle and get the keys to your home.
Help to Buy explained
A clear walkthrough of how the scheme works and what it means for your path to home ownership.
Questions people ask
What happens when I want to sell the home?
When you sell, the government gets their share based on the property value at that time. If the property increased, they share the gain. If it decreased, they share the loss.
Can I pay back the government share early?
Yes. You can make incremental repayments from your savings whenever you like, or pay it all back through refinancing or additional lending when you are ready.
Do I pay interest on the government contribution?
No interest is charged on the government equity share. You only pay interest on your mortgage to your lender.
What if my circumstances change—will I stay in the scheme?
You must continue meeting eligibility criteria, including living in the home as your main residence. If your situation changes significantly, you will need to discuss this with me.
Is Help to Buy the right option for everyone?
Not necessarily. It depends on your situation, income, and goals. I will explain the pros and cons so you can make an informed decision about whether it is right for you.
Ready to get into your home sooner?
Let us talk about whether Help to Buy is right for you and how to get started.