Preparing financially
Government support for home buyers
Six federal and Victorian programmes, each with its own eligibility rules, price caps and application process. Read the one relevant to you — each links to its own official source.
Australian Government 5% Deposit Scheme
Buy with a 5% (or 2%) deposit without paying Lenders Mortgage Insurance.
Help to Buy Scheme
A shared-equity scheme where the Government contributes toward your purchase price.
First Home Super Saver Scheme
Save part of your deposit inside superannuation's lower tax environment.
Victorian first-home buyer duty exemption and concession
Pay no or reduced land transfer duty as an eligible Victorian first-home buyer.
Victorian First Home Owner Grant
A one-off grant for eligible first-home buyers of a new home in Victoria.
Off-the-plan duty concession
A temporary, currently-extended Victorian concession for eligible apartment and townhouse purchases.
Important: some of these programmes can potentially be used together for the same purchase (for example, a duty exemption alongside the 5% Deposit Scheme) — but eligibility for one does not guarantee eligibility for another, and each programme has its own residency, price-cap and ownership-history rules that must be checked against your specific circumstances. Confirm any combination directly with a Participating Lender, the SRO, or Housing Australia before relying on it — Delora has not independently verified every pairwise interaction between these programmes for every buyer scenario.
This index and the guides it links to are general education, not personal financial advice, and do not state that any individual reader qualifies for any programme.