Scheme changes from October 1, 2025

The Home Guarantee Schemes will change to the Australian Government 5% Deposit Scheme from 1 October 2025. Make sure to check any updates to eligibility that may apply.

Find out which scheme or grant is for you

Australian Government 5% Deposit Scheme

Buy your home with as little as 5% deposit for first home buyers and 2% deposit for single parents with no Lenders Mortgage Insurance.

To be eligible you must:

  • not have owned property in Australia before as a first home buyer, or not currently own a home as a single parent

  • be an eligible first home buyer, or a single parent with at least one dependant living with you

  • be an Australian citizen or Australian Permanent Resident, aged 18 or over

  • meet property price threshold requirements

  • have a deposit of at least 5% in genuine savings for first home buyers, or 2% in genuine savings for single parents.
Learn more about the Australian Government 5% Deposit Scheme

First Home Owner Grant

Get access to a one-off grant for the purchase or build of a new home.*

To be eligible you must:

  • not have owned property in Australia before

  • be an Australian citizen or a permanent resident of at least 18 years age

  • be an owner-occupier, not a residential investor

  • meet all the eligibility criteria under this scheme.

*Application process and eligibility criteria varies by state or territory.

First home owner grant

Stamp duty

Find out about stamp duty costs and how it fits into your home loan journey.*

To be eligible you must:

  • buy or acquire property within Australia

  • meet all the eligibility criteria for your state or territory.*

*Application process and eligibility criteria varies by state or territory.

Read more about stamp duty

First Home Super Saver Scheme

Use your super to help save for your deposit.

To be eligible you must:

  • not have owned property in Australia before

  • be an Australian citizen of at least 18 years age

  • not previously had funds released from superannuation under this scheme

  • meet all the eligibility criteria under this scheme.

First Home Super Saver Scheme

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Important information

The information contained in this article is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, NAB recommends that you consider whether it is appropriate for your circumstances. NAB recommends that you seek independent legal, financial and taxation advice before acting on any information in this article.