Australian Government Scheme
5% Deposit
Eligibility Checker
No income caps · Unlimited places · Price caps by location · Citizen/PR only
Check Your Eligibility
$
$
Minimum Deposit Required
$0
Estimated LMI Saved
$0
Eligibility Breakdown
Citizenship status—
Price cap for this location—
Under the price cap?—
Your deposit, as % of price—
Government guarantee covers—
⚠ Not checked above: have you owned property before — anywhere in the world?
This calculator checks citizenship, price cap, and deposit size only. It does NOT check prior property ownership, which is a separate, genuinely global test — even a small inherited share of a property overseas can disqualify you. See our First Home Buyer Guide for Migrants for the full ownership test before relying on this result.
Price Caps by Location
Effective from 1 October 2025
⚠ General information only.
Estimates based on Housing Australia's published price caps and eligibility rules, current as of June 2026. Price caps, income rules, and place limits are set by Housing Australia and can change. This is not a guarantee of approval — applications are made through a participating lender, not directly to Housing Australia. Confirm current eligibility and caps at housingaustralia.gov.au or with a mortgage broker before relying on this estimate.
