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FIRST HOME LOAN DEPOSIT SCHEME

 

Are you a first home buyer? The First Home Loan Deposit Scheme (FHLDS) is a new Government initiative to help Australians purchase their first home.

One of the challenges to first home buyers achieving their dream of home ownership can be the time it takes to save a deposit. The FHLDS provides “a guarantee that will allow eligible first home buyers to purchase a home with a deposit of as little as 5% without needing to pay for lenders mortgage insurance.”1

10,000 new FHLDS places will be made available from July 2020.2

 

Who is Eligible?

The FHLDS is for individuals earning less than $125,000 and married or de-facto couples earning less than $200,000 in the last financial year.2

LEARN IF YOU'RE ELIGIBLE

 

Property Price Caps

If you are eligible, the FHLDS assists the purchase or construction of a residential property with a price cap of $600,000 in Melbourne and Victorian regional centres.3

Learn more on the Australian Government’s National Housing Finance and Investment Corporation website.

 

FHLDS FACT SHEETS

 FHLDS FAQS

 

 

 

 

1 First Home Loan Deposit Scheme: FACT SHEETNational Housing Finance and Investment Corporation.

2 First Home Loan Deposit Scheme (FHLDS)National Housing Finance and Investment Corporation.

Property price thresholdsNational Housing Finance and Investment Corporation.

 

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