Find out which scheme or grant is for you

First Home Guarantee

Buy your home with as little as 5% deposit and no Lenders Mortgage Insurance.

To be eligible you must:

  • not have owned property in Australia before

  • be an eligible first home buyer

  • be an Australian citizen, aged 18 or over

  • meet income and property price threshold requirements

  • have a deposit of at least 5% in genuine savings.

First Home Loan Deposit Scheme

Family Home Guarantee

Buy your own home with the Family Home Guarantee (FHG) with a deposit as small as 2% deposit and no Lenders Mortgage Insurance. 

To be eligible you must:

  • not currently own a home, but you may have owned property in Australia before

  • be a single parent with at least one dependant living with you

  • be an Australian citizen, aged 18 or over

  • meet income ($125,000 per year) and property price threshold requirements

  • have a deposit of at least 2% in genuine savings.

Learn more about the Family Home Guarantee

Regional First Home Buyer Guarantee

Buy your first home in a regional area with a deposit of as little as 5%.

To be eligible you must:

  • be an Australian citizen aged 18 years or over

  • have lived in a regional area for the preceding 12 months

  • meet income requirements

  • not have owned a home previously

  • have at least a 5% deposit saved

  • purchase a property in your current or adjacent regional area.
Learn more about the Regional First Home Buyer Guarantee

First Home Owner Grant

Get access to a one-off grant for the purchase or build of a new home.*

To be eligible you must:

  • not have owned property in Australia before

  • be an Australian citizen or a permanent resident of at least 18 years age

  • be an owner-occupier, not a residential investor

  • meet all the eligibility criteria under this scheme.

*Application process and eligibility criteria varies by state or territory.

First home owner grant

Stamp duty

Find out about stamp duty costs and how it fits into your home loan journey.*

To be eligible you must:

  • buy or acquire property within Australia

  • meet all the eligibility criteria for your state or territory.*

*Application process and eligibility criteria varies by state or territory.

Read more about stamp duty

First Home Super Saver Scheme

Use your super to help save for your deposit.

To be eligible you must:

  • not have owned property in Australia before

  • be an Australian citizen of at least 18 years age

  • not previously had funds released from superannuation under this scheme

  • meet all the eligibility criteria under this scheme.

First Home Super Saver Scheme

Ready to purchase your home?

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Explore property and home buying guides

Types of home loans

We explain all of our different loan types and packages.

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.

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Home and Contents Insurance

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Savings accounts

Whatever you're saving for, our savings accounts can help get you there sooner.

Contact us for home loan related queries

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Important information

The information contained in this article is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, NAB recommends that you consider whether it is appropriate for your circumstances. NAB recommends that you seek independent legal, financial and taxation advice before acting on any information in this article.