AusSchemes is not a government service. This information is general in nature and may not reflect the most recent eligibility rules or amounts. Always confirm details on the official source before applying.
Help to Buy — Single Parent Home Guarantee
Part of the Help to Buy program — a shared equity scheme where the Australian Government co-purchases up to 40% of a home (30% for new builds) for eligible buyers, significantly reducing mortgage size and deposit needed.
Indicative amount
Government takes up to 40% equity; reduces mortgage significantly
Indicative amount only — confirm on the official page
What you get
Government contributes up to 40% equity in your home (no rent charged). You need a smaller deposit and smaller mortgage. Income caps: $90,000 (singles), $120,000 (couples). Property price caps by location. No ongoing fees on government stake.
Who it's for
Relevant life events: buying home
How to apply
1. Apply through a participating lender when Help to Buy is fully activated. 2. Confirm income eligibility and that you meet the first home buyer or other eligibility requirements. 3. Government equity agreement executed at settlement.
Documents you may need
- Identity documents
- Proof of income
- Property purchase contract
- Evidence of minimum deposit
Informational only — confirm exact requirements on the official page.
You will be taken to www.housingaustralia.gov.au
Last reviewed by AusSchemes: 20 April 2026