--- title: "First Home Super Saver Scheme, Australia-wide · unclaimd" description: "Save for your first home inside your super, where tax is lower, then take the money out to buy. Up to $50,000 of extra super payments count, plus earnings. Check the conditions and apply on…" url: "https://unclaimd.org/support/national-first-home-super-saver/" --- [Back to support](https://unclaimd.org/support/) [Housing](https://unclaimd.org/support/housing/) / [Australia-wide](https://unclaimd.org/support/australia/) # First Home Super Saver Scheme Save for your first home inside your super, where tax is lower, then take the money out to buy. - Support available: Up to $50,000 of extra super payments count, plus earnings - Type of support: Help to buy a home [Visit official site](https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/early-access-to-super/first-home-super-saver-scheme/eligibility-for-the-fhss-scheme) Opens ato.gov.au, the official site. unclaimd never asks for your myGov sign-in or bank details. The official site may ask for them, so check the address ends in .gov.au first. [How to stay safe](https://unclaimd.org/help/stay-safe/) ## What you need to check You can put extra money into your super (your retirement savings fund), then ask the tax office to release it to help buy your first home. Up to $15,000 a year, and $50,000 in total, of these extra payments count. You get back all of the payments you made from after-tax money and 85% of payments made before tax, plus some earnings. You must be 18 or older when you ask for the release, and your name must be on the title of the home. You must never have owned property in Australia, unless the tax office agrees you had money hardship. You cannot use the scheme if you have already had a release under it. Couples and friends can each use their own savings for the same home. This is a short summary. Other rules may apply, like income or where you live. Check the full rules with the agency that runs it. **Read in Easy English** ### What it is - This helps you save for your first home. - You put extra savings into your super. - Super is what you save for when you stop work. - Super has less tax, so it can grow faster. - Later, you can take out up to $50,000 to buy a home. ### Who can get it - You must be 18 or older when you take it out. - You must never have owned a home or land in Australia. - The tax office can say yes in some cases of hardship. ### What to do - Read the rules on the official website. - Apply there. It is free to apply. Struggling with this form? After you sign in on the official site, OPA can go through the form with you, one question at a time. You type your sign-in details yourself. [Get the OPA helper](https://unclaimd.org/tools/) We haven’t tested OPA on this form yet. If it gets stuck, fill that part in yourself. For Chrome or Edge on a computer. It doesn’t work on phones yet. ## About this source We last reviewed this listing on 5 Nov 2026. We last checked the official page on 5 Nov 2026. Our automatic check only sees whether the page is there or has changed. It is not a check of the rules. ## How to apply Read the full rules and apply through the official government website. [Visit official site](https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/early-access-to-super/first-home-super-saver-scheme/eligibility-for-the-fhss-scheme) www.ato.gov.au unclaimd never asks for your myGov sign-in or bank details. The official site may ask for them, so check the address ends in .gov.au first. [How to stay safe](https://unclaimd.org/help/stay-safe/) unclaimd can’t approve a claim or apply for you. [Report a problem with this listing](https://unclaimd.org/contact/?topic=listing&program=national-first-home-super-saver#contact) --- unclaimd lists possible matches and leads to check, not eligibility decisions. Only the government agency decides. Check the rules and apply on the official government site. More: [Site map](https://unclaimd.org/sitemap/) · [How agents can use unclaimd](https://unclaimd.org/llms.txt)