Federal Regional First-Home Buyer Guarantee

 

10,000 places total cap per annum

 

Enables an eligible regional first-home buyer to purchase a home with as little as 5% deposit without paying lender’s mortgage insurance.

 

10,000 Regional First Home Buyer Guarantee (RFHBG) places became available on 1 July and will close on 30 June 2025. Under the scheme, eligible home buyers can purchase a home with as little as a 5% deposit.  

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Eligibility criteria key point include, you will be an Australian Citizen at the time you enter the loan, at least 18 years of age, as an individual you earn $125,000 or $200,000 as a couple (married or de facto), you are intending to be owner-occupiers of the property, you can offer a 5% minimum deposit required, you are first home buyers and you have lived in the regional area or adjacent regional area they are intending to purchase in for the preceding 12-month period.