First Home Super Saver
Extra voluntary contributions to super, later released towards a first home. As at October 2026, up to $15,000 a year and $50,000 in total.
Departures
| Platform | Destination | Operator | Calling at |
|---|---|---|---|
| 1 | Saving a home deposit inside super | Australian Taxation Office | Contributions, the $15,000 and $50,000 limits, a worked example |
| 2 | Getting first home super savings back out | Australian Taxation Office | Determination, release, the contract window, tax |
| 3 | Help to Buy: buying with a government share | Housing Australia | Shared equity, who it is for, price caps, buying back |
| 4 | Single parents and the 2% deposit | Housing Australia | Who counts as single, dependent children, property you already hold |
| 5 | First home buyer duty concessions, state by state | State and territory revenue offices | One line for each state and territory, as at October 2026 |
| 6 | Which first home schemes can be used together | ATO and Housing Australia | Side by side: deposits, income tests, past ownership, combining |
The three Commonwealth lines
The Australian Government’s first home buyers site groups its help into three programs: the First Home Super Saver Scheme, the 5% Deposit Scheme and the Help to Buy Scheme.
5% Deposit Scheme
Formerly the Home Guarantee Scheme. A government guarantee to the lender: a minimum 5% deposit for first home buyers, or 2% for single parents and legal guardians, with no income caps since 1 October 2025.
Help to Buy
Shared equity: a minimum 2% deposit, with the Government contributing up to 30% of an existing home or 40% of a new one.
The 5% Deposit Scheme and Help to Buy cannot be used together. Stamp duty relief is a separate line run by each state and territory, set out on platform 5. Which schemes combine is on platform 6.