At G.J. Gardner Homes, we understand that building your first home is a huge milestone—and a big investment. That’s why we’re here to help you make the most of the Federal Home Guarantee Scheme, a government initiative available across Australia designed to make your dream of home ownership a reality.

Whether you’re planning to build in Queensland, New South Wales, Victoria, or beyond, our experienced team can guide you through the process—step by step.

Overview of the Federal Home Guarantee Scheme

The Federal Home Guarantee Scheme is a Government support program to support first home buyers to purchase with a low deposit (5%) without paying Lenders’ Mortgage Insurance (LMI). The scheme helps make home ownership more accessible and achievable for families.

Federal Home Guarantee Scheme by state & territory

To be eligible for the Home Guarantee Scheme, the combined purchase price for a new home build, including the vacant land and the home build contract, must not exceed the established property price cap for the location. If your property exceeds this maximum value will not qualify for the scheme.

State / Territory Property Value – Capital city & regional centres Rest of the state
NSW $1,500,000 $800,000
VIC $960,000 $650,000
QLD $1,000,000 $700,000
SA $900,000 $500,000
TAS $700,000 $550,000
ACT $1,000,000
VICVictoriaNSWNew South WalesQLDQueenslandSASouth Australia/span>ACTAustralian Capital TerritoryTASTasmaniaWAWestern Australia

Eligibility and Application Process

Ready to take the next step to build your first home? Reach out to the Australian Government Participating Lenders to guide you through the application process. The approved lenders will access your eligibility, guide you through your loan options, submit your application forms and inform you if your application is approved.

Pathways to Build Your First Home

First Home Super Saver Scheme
Thinking of building your first home? This government program is designed to give first home buyers a head start by letting you use your super to save faster for your home deposit, all whilst taking advantage of lower tax rates. It’s all about making your first home a reality sooner.

Help to Buy Scheme
The Help to Buy Scheme is designed to make home ownership achievable through government equity support. If you have worked towards a savings goal and you’re just short of the amount you need to build your first home, the government can help bridge the gap.

Recommended designs for First Home Buyers

Ascot

  • 220
  • 250
  • 275
4
3
2
2
220m2
4
3
2
2
250m2
5
3
2
2
275m2
View plan

Fairfield

  • 225
  • 240
  • 255
4
3
3
1
225m2
4
3
3
1
240m2
4
3
3
1
255m2
View plan

Kurrajong

  • 120
  • 150
  • 170
2
1
1
1
120m2
3
2
1
1
150m2
4
2
1
1
170m2
View plan

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