Find your new home as a single parent

The Family Home Guarantee is an Australian Government scheme that helps single parents or legal guardians buy a family home.

You can use the Family Home Guarantee to build a new home or buy an existing home with a deposit of as little as 2%. Both first home buyers and previous home owners can apply. You can’t use the Family Home Guarantee to buy an investment property.

To be eligible for the Family Home Guarantee you must:

  • be an Australian citizen or Permanent Resident, aged 18 years or over 

  • be a single parent or legal guardian with at least one dependent living with you

  • have earned $125,000 or less last financial year.

Property requirements

  • You can currently own a home, but you must intend not to when you settle on your new HGS purchase.

  • You have at least a 2% deposit to contribute towards your property purchase.

  • The single parent or legal guardian must be the only name listed on the loan and the certificate of title.

Fact sheets and information guides

Housing Australia Family Home Guarantee Fact sheet (PDF, 369KB), opens in new window

Housing Australia Family Home Guarantee Information Guide (PDF, 2MB), opens in new window

How to apply as a single parent

There are three simple steps to apply for the Family Home Guarantee.

1. Check you’re eligible

Review the Family Home Guarantee eligibility criteria, opens in new window to see if you're eligible.

2. Get conditionally approved

Speak with one of our bankers and apply for conditional approval. Once approved, our team will reserve your place in the scheme.

3. Buy your family home

Build a new home or buy an existing one. With the Family Home Guarantee you can choose what works for you.

Ready to get started?

When you’re ready to apply, you can book an appointment online or request a call from a NAB home loan expert who will help you with your application.

Book an appointment

Buying your first home

Here are some helpful articles to get you on your way.

How much do you need for a house deposit

Tips to help you save a deposit for a home loan.

First home buyer’s guide

Our easy step-by-step guide to buying your first home.

Which home loan is right for me?

We’ll help you find a home loan that suits your needs.

Contact us for home loan related queries

This is how you can get in touch.

Start a conversation with a banker

  1. Log into either NAB Internet Banking or the NAB app.
  2. Tap on the message icon.
  3. Type ‘speak to a person’ in the conversation window.

Call us

Speak to a home loan expert about a new or existing home loan.

Monday to Friday, 8:00am to 7:00pm (AEST/AEDT)
Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT)

13 78 79

Book an appointment

Make an appointment to see us at your nearest branch, ask a mobile banker to come to you or ask us to call you back.

Book an appointment

Important information