Shared-Equity Home Loans Made Simple Across Australia
Buy Your Home Sooner with Help to Buy
The Australian Government’s Help to Buy scheme launches in 2025 and is designed to make home ownership more achievable for Australians in every state and territory. Arafura Finance Brokers helps clients nationwide understand the scheme, assess eligibility, and secure a suitable lender.
Book a Free Consultation
What Is the Help to Buy Scheme?
Help to Buy is a national shared-equity home ownership program where the Federal Government contributes a portion of the property purchase price. This reduces the size of the home loan required and lowers the deposit needed to enter the market.
Key features include:
-
Up to 40% contribution for new homes
-
Up to 30% contribution for existing homes
-
Minimum 2% deposit
-
No LMI (Lenders Mortgage Insurance)
-
Ability to repay the government’s share at your own pace
The scheme is available across all states and territories, subject to regional price caps and eligibility rules.
How the Help to Buy Scheme Works
By contributing a share of the property price, the government reduces the amount you need to borrow from the bank.
Example
For a $600,000 new home:
-
Government share (40%): $240,000
-
Minimum deposit (2%): $12,000
-
Buyer’s home loan: $348,000 instead of ~$588,000
With a smaller mortgage, repayments are more affordable and serviceability improves.
Arafura Finance Brokers can calculate tailored scenarios for your state or territory.
Who Is Eligible?
To access the scheme, applicants must:
-
Be Australian citizens
-
Be at least 18 years old
-
Earn under $90,000 (single) or $120,000 (couple)
-
Intend to live in the property
-
Own no other real estate in Australia or overseas
-
Purchase a home within the program’s regional price caps
-
Meet lender serviceability requirements
Price caps differ in each state and territory. We provide accurate, up-to-date figures for your area.
Why Choose Arafura Finance Brokers?
Arafura Finance Brokers supports home buyers across Australia with expert guidance on shared-equity lending and government programs. We assist clients in:
-
New South Wales
-
Victoria
-
Queensland
-
Western Australia
-
South Australia
-
Tasmania
-
Northern Territory
-
Australian Capital Territory
Our services include:
-
Confirming Help to Buy eligibility
-
Providing state-specific price caps
-
Calculating borrowing power and deposit options
-
Comparing Help to Buy with other government programs such as First Home Guarantee
-
Matching you with lenders that support shared-equity loans
-
Managing your loan from application through to settlement
Benefits of the Help to Buy Scheme
-
Buy sooner with a smaller deposit
-
Lower mortgage repayments
-
Avoid LMI costs
-
Increase your ownership share over time
-
Suitable for first-home buyers, singles, couples, and essential workers
-
Available nationwide
Important Considerations
-
The government owns the same equity percentage it contributes
-
When the property is sold, that percentage is repaid from the sale price
-
If your income exceeds the cap for two consecutive years, you may be required to increase your equity share
-
Buyers still cover all property costs (rates, insurance, maintenance)
-
Price caps may influence location and property type
Arafura Finance Brokers helps you weigh these factors and explore all available options.
Is Help to Buy Right for You?
Help to Buy is ideal for buyers who can afford repayments but are restricted by deposit size or borrowing limits. This includes first-home buyers, key workers, single applicants, and families in both metropolitan and regional areas.
We provide personalised guidance to help you decide if the scheme aligns with your goals.
Start Your Home Ownership Journey Today
Whether you’re early in the planning stage or ready to apply, Arafura Finance Brokers can guide you through the Help to Buy process and help you secure a lender that supports shared-equity loans.