---
title: "Help to Buy (shared equity home scheme), Australia-wide · unclaimd"
description: "The government pays up to 40% of your home’s price in return for a share, with a 2% deposit from you. Government pays up to 30% (existing home) or 40% (new home) of the price. Check the conditions…"
url: "https://unclaimd.org/support/national-help-to-buy/"
---

[Back to support](https://unclaimd.org/support/)

[Housing](https://unclaimd.org/support/housing/) / [Australia-wide](https://unclaimd.org/support/australia/)

# Help to Buy (shared equity home scheme)

The government pays up to 40% of your home’s price in return for a share, with a 2% deposit from you.

- Support available: Government pays up to 30% (existing home) or 40% (new home) of the price
- Type of support: Help to buy a home

[Visit official site](https://firsthomebuyers.gov.au/australian-government-help-buy-scheme)

Opens firsthomebuyers.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

Under shared equity, the government pays part of the price and owns that share of your home. You need a deposit of at least 2%. You must be 18 or older and an Australian citizen. You cannot own any property in Australia or overseas now. Your yearly taxable income must be $103,000 or less, or $165,000 for single parents and joint applicants. The home must be under the price cap for its area, and you must live in it. There are 10,000 places each year. You pay the government’s share back when you can, or when you sell.

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.

## 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

Apply through a Participating Lender. The lender checks if you are eligible and applies for you.

[Visit official site](https://firsthomebuyers.gov.au/australian-government-help-buy-scheme)

firsthomebuyers.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-help-to-buy#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)