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.
NSW Shared Equity Home Buyer Helper
The NSW Government co-purchases a home with eligible buyers, taking an equity stake of up to 40%, so you need a smaller deposit and smaller mortgage.
Indicative amount
2% deposit; government takes up to 40% equity
Indicative amount only — confirm on the official page
What you get
Government takes up to 40% equity in your home (30% for key workers). You only need a 2% deposit. No rent is charged on the government's share. Repay the government's share when you sell or can afford to buy them out.
Who it's for
Relevant life events: buying home
How to apply
1. Check eligibility on the Revenue NSW website. 2. Apply through a participating lender. 3. Income must be under $90,000 (singles) or $120,000 (couples/families). 4. Property price caps apply by region.
Documents you may need
- Income documentation
- Identity documents
- Evidence of 2% deposit
- Property purchase contract
Informational only — confirm exact requirements on the official page.
You will be taken to www.revenue.nsw.gov.au
Last reviewed by AusSchemes: 20 April 2026