READY TO ESCAPE THE RENTAL TRAP?
Buy a brand new home in Victoria with as little as a 2% deposit
See if you qualify to become a homeowner using the Australian Government Help to Buy Scheme with as little as a 2% deposit.
2%
Deposit for eligible home buyers
Up to 40%
Contribution from Australian Government
10,000
Places in the scheme each year
What’s the Help to Buy Scheme?
Help to Buy is a shared-equity program backed by the Australian Government. It’s designed to help eligible first-home buyers purchase sooner with a much smaller deposit.
Here’s how it works:
1. You contribute a minimum 2% deposit
2. You take out a standard home loan with a participating lender
3. The Government contributes up to 30% for existing homes or 40% for new homes
4. You own and live in the home as your principal residence
The Government’s contribution reduces how much you need to borrow, which can mean lower repayments, no Lenders Mortgage Insurance (LMI), and buying years sooner instead of waiting to save 20%. There are only 10,000 places available per year, so eligibility and timing matter.
Help to Buy is a shared-equity program backed by the Australian Government. It’s designed to help eligible first-home buyers purchase sooner with a much smaller deposit.
Here’s how it works:
1. You contribute a minimum 2% deposit
2. You take out a standard home loan with a participating lender
3. The Government contributes up to 30% for existing homes or 40% for new homes
4. You own and live in the home as your principal residence
The Government’s contribution reduces how much you need to borrow, which can mean lower repayments, no Lenders Mortgage Insurance (LMI), and buying years sooner instead of waiting to save 20%. There are only 10,000 places available per year, so eligibility and timing matter.
Why Use SREG for Help to Buy?
The Help to Buy Scheme sounds simple on paper. In reality, eligibility rules, price caps, lender requirements, and property selection can trip people up fast. That’s where SREG comes in.
We help you understand whether Help to Buy actually works for your situation, then guide you through the process step by step. From checking your eligibility and explaining how shared equity works, to matching you with brand-new homes that qualify under the scheme, we make sure nothing is missed.
The Help to Buy Scheme sounds simple on paper. In reality, eligibility rules, price caps, lender requirements, and property selection can trip people up fast. That’s where SREG comes in.
We help you understand whether Help to Buy actually works for your situation, then guide you through the process step by step. From checking your eligibility and explaining how shared equity works, to matching you with brand-new homes that qualify under the scheme, we make sure nothing is missed.
What Home Ownership Could Look Like With Help to Buy
12 Grandview Crescent
Darley
12 Malachite Drive
Tarneit
55 Isaac Rd,
Keysborough
224A Chandler Rd,
Keysborough
Google Reviews: Rated 5 Stars ⭐⭐⭐⭐⭐
Buy Your First Home in 3 Simple Steps
1. Book A Free First Home Buyer Strategy Call
Answer the quick questions above, then book your free call. We’ll explain how the Help to Buy Scheme works, check your eligibility, and show whether you could purchase a home with as little as a 2% deposit.
2. Confirm Eligibility & Secure Finance
If you qualify, our team will guide you through the eligibility checks, connect you with a participating lender, and explain how the Government’s shared equity contribution fits into your purchase.
3. Purchase Your Brand-New Home
Once approved, you’ll move forward with buying a home that meets the Help to Buy criteria. From contracts to settlement, we’ll guide you through each step so you can move in with clarity and confidence.
Frequently Asked Questions
Who is Help to Buy for?
The scheme is designed for eligible Australian citizens buying their first home, within set income limits. You must live in the property as your principal place of residence, and investment purchases are not allowed.
How much deposit do I need?
The minimum is 2%, but the exact amount depends on your income, the property price, and your eligibility under the scheme. We’ll confirm what’s realistic for you during the strategy call, including whether the 2% minimum applies in your situation.
Can I buy an existing home, or only brand-new?
Through SREG, we focus exclusively on brand-new homes that are eligible under the Help to Buy Scheme. New builds can qualify for up to a 40% Government contribution, come with full builder warranties, and help you avoid unexpected repairs or maintenance.
Do I need to have perfect credit?
Not necessarily. Many of our clients have been declined by banks before coming to us. We work with finance partners who specialise in helping first home buyers get approved with flexible lending options.
What income do I need to qualify?
To be eligible for Help to Buy, your taxable income must generally be $100,000 or less for singles or $160,000 or less for couples or single parents. Other factors like property price caps and your overall situation also apply, which we’ll walk through on the call.
What happens after I book a call?
Once you book, one of our advisors will call to explain how the Help to Buy Scheme works and check whether you’re likely to be eligible. If it’s a fit, we’ll outline your next steps and guide you through the process from application through to purchasing your home.
Who is Help to Buy for?
The scheme is designed for eligible Australian citizens buying their first home, within set income limits. You must live in the property as your principal place of residence, and investment purchases are not allowed.
How much deposit do I need?
The minimum is 2%, but the exact amount depends on your income, the property price, and your eligibility under the scheme. We’ll confirm what’s realistic for you during the strategy call, including whether the 2% minimum applies in your situation.
Can I buy an existing home, or only brand-new?
Through SREG, we focus exclusively on brand-new homes that are eligible under the Help to Buy Scheme. New builds can qualify for up to a 40% Government contribution, come with full builder warranties, and help you avoid unexpected repairs or maintenance.
Do I need to have perfect credit?
Not necessarily. Many of our clients have been declined by banks before coming to us. We work with finance partners who specialise in helping first home buyers get approved with flexible lending options.
What income do I need to qualify?
To be eligible for Help to Buy, your taxable income must generally be $100,000 or less for singles or $160,000 or less for couples or single parents. Other factors like property price caps and your overall situation also apply, which we’ll walk through on the call.
What happens after I book a call?
Once you book, one of our advisors will call to explain how the Help to Buy Scheme works and check whether you’re likely to be eligible. If it’s a fit, we’ll outline your next steps and guide you through the process from application through to purchasing your home.
