In 2026, the Australian Government and State Treasuries have significantly expanded support for first-home buyers. These initiatives can slash your upfront costs and, in some cases, eliminate the need for Lenders Mortgage Insurance (LMI) entirely. With the RBA cash rate sitting at 3.85% in early 2026, your choice of savings account matters. Don’t leave your deposit in a low-interest transaction account. The FHSSS is arguably the most powerful tool for Australian first-home buyers. It allows you to save for a deposit inside your superannuation fund, where it is taxed at a lower rate (15%).
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The deposit is always a percentage of the purchase price, so the dollar figure scales straight up with the price of the home. The Scheme is for aspiring home buyers just like you – first home buyers with a minimum 5% deposit, or single parents or legal guardians with a minimum 2% deposit. Understand the minimum deposit you need, the available schemes, and the impact of property type. If eligible, government schemes like the First Home Guarantee could simplify this process. This means buyers need to have their deposit ready, home loan formally approved, and funds allocated for stamp duty and legal fees.
First Home Super Saver Scheme (FHSS)
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- If the term is less than 12 months, you’re not required to select an account for interest accrual.
- A 20% deposit on the median capital-city home in early 2026 ran from about $165,000 in Melbourne to around $259,000 in Sydney.
- Enjoy a competitive interest rate and the ability to choose a term that suits your needs.
- Your deposit size directly impacts your borrowing costs and loan flexibility.
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For example, eligible first home buyers or single parents may access government-backed schemes like the Home Guarantee Scheme, which could reduce the deposit hurdle. However, you can access your money early by giving us 31 days’ notice, which may incur a prepayment cost. Yes—many casino promotions deals work at small amounts, but some require more than the cashier minimum. A true no deposit bonus can be useful for testing, though cashout caps and KYC usually apply.
Buying off-the-plan
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The First Home Guarantee is where the government guarantees up to 15% of your loan, which means you won’t need to pay LMI. Grow your savings faster with a higher interest rate, if you’re a motivated saver. With no application or monthly account fees, all your savings get put to good use. Enjoy a competitive interest rate and the ability to choose a term that suits your needs. Look for low deposit slots with modest volatility and small bet steps.
Next Steps And Getting Your Home Loan Approved
In Australia, most lenders require a deposit between 5% and 20% of the purchase price. While a 5% deposit gets you into the market sooner, a 20% deposit offers major financial perks. Lenders generally want to see at least 5% of the purchase price as genuine savings. Some are more flexible, accepting a strong rental history as proof you can manage repayments, or allowing gifted funds alongside a smaller genuine-savings component. A mortgage broker can match you with a lender whose policy fits your situation. If prices are climbing faster than you can save, getting in now with a 10% deposit and around $10,000 of LMI can cost less than waiting two more years while the same home rises $50,000.
The smaller your deposit, the bigger the premium, because the bank is lending a larger slice of the price and charges more to cover it. Here’s roughly what LMI costs on a $600,000 property in 2026. If you’d rather skip the guesswork, our borrowing power calculator shows your real budget and scheme eligibility in about two minutes.
First Home Buyer Grant Eligibility 2026 Australia: Every State + Eligibility Checker
While these grants are incredibly helpful, they come with strict residency rules. You must usually move into the property within 12 months and live there for at least 6 months continuously. For an $800,000 property, you should budget for these key expenses to ensure a smooth transition into homeownership. There are a number of ways the government can assist with buying a home. The medians below are houses-and-units combined (dwelling values) from the Cotality Home Value Index, February 2026 release. Prices have risen sharply across most capitals over the past year, so always sense-check against a current source before you set a target.
- For many Australians, paying LMI is a strategic choice to avoid rising property prices.
- E-wallets and crypto tend to be fastest; bank cards are slower.
- If prices are climbing faster than you can save, getting in now with a 10% deposit and around $10,000 of LMI can cost less than waiting two more years while the same home rises $50,000.
- “I have seen buyers start with as little as 5%, or less in some circumstances if they qualify for the government schemes,” explains Kaili Watkins, Westpac Home Loan Specialist.
- There are several government programs that can help you enter the market with a smaller deposit.
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- A larger deposit means you’ll need to borrow less, which means you’ll pay less interest and potentially lower your monthly repayments.
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What you’ll need
Not sure if your deposit is enough for the price of the home you want to buy? We’ve put together a rough guide for the minimum 5% deposit for various house prices. 20% used to be the minimum, but buyers often opt to purchase with a lower deposit rather than waiting as house prices will often be rising faster than they can save.
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