Buy your first regional home sooner

The Regional First Home Buyer Guarantee is an Australian Government scheme that helps regional customers buy a home in designated regional areas.

You can use the Regional First Home Buyer Guarantee to build a new home or buy an existing home with a deposit of as little as 5%. Only eligible buyers who have lived in a regional area, or an adjacent regional area to where they are purchasing, for the preceding 12-month period (if applying as a joint application, then at least one applicant needs to meet this requirement) can apply. You can’t use the Regional Home Buyer Guarantee to buy an investment property.

Eligibility criteria

To be eligible for the Regional First Home Buyer Guarantee, you must:

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

  • have lived in a regional area or adjacent regional area to where they are purchasing in for the preceding 12-month period to the date they execute the home loan agreement

  • apply either as a single or joint applicant

  • have earned $125,000 or less for singles or $200,000 or less for couples in the last financial year, as shown on the Notice of Assessment issued by the ATO

  • be a first home buyer or not have owned a home in the past 10 years (owner occupied or investment)

  • have at least a 5% deposit to contribute towards your property purchase

  • purchase a property in your current or adjacent regional area

Fact sheets and information guides

Housing Australia Regional Home Buyer Guarantee Fact sheet (PDF, 421KB), opens in new window

Housing Australia Regional Home Buyer Guarantee Information Guide (PDF, 3MB), opens in new window

How to apply

There are four simple steps to apply for the Regional First Buyer Home Guarantee:

  1. Check your eligibility: Use the Housing Australia website, opens in new window to check your eligibility.

  2. Get in touch: Book an appointment online, at your local branch or with your broker and complete your NAB home loan application.

  3. Submit your application: Get conditional approval from your banker or broker. They’ll then collect the documents required for eligibility and reserve your place in the scheme.

  4. Buy your home: You’ll have 90 days to purchase a home after you’re approved. Then all you need to do is settle and move in.

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

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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.

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

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13 78 79

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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.

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