Helping first home buyers purchase a home with just a 5% deposit and no LMI
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What is the Help to Buy Scheme?
Launched on 5 December 2025, this scheme is designed to help 10,000 Australians each year (that's 40,000 over four years!) achieve their homeownership dreams. The best part? You could get into your new home with as little as a 2% total deposit! At Carlisle we only require $2K* and combined with low deposits from land developers under the Scheme we can build your new home in under 20 weeks^ once your land is titled and we get to site!
Key Features of the Help to Buy Scheme
The Australian Government Scheme helping first-home buyers and people returning to home ownership secure a place to call home! (Eligibility criteria apply).
Deposit Requirements
Eligible Home Buyers only need a 2% Deposit to obtain a home loan through a participating lender.
Australian Government Support
The Australian Government will contribute 40% to newly built homes. Enabling you to buy sooner.
Scheme Availability
The Australian Government has capped the support to 10,000 applicants per year.
Eligibility criteria for the Help to Buy Scheme
To qualify for the help to buy scheme, home buyers must meet the criteria set by the Australian Government. These requirements ensure the scheme support people entering or re-entering the property market.
Citizenship
All applicants must be Australian Citizens and at least 18 years old.
Deposits Income
Minimum of 2% Deposit of the total purchase price. With an annual income at or below $100,000 for individuals or $160,000 for single parents and joint applicants.
Ownership
You cannot own any property in Australia or Overseas and you must live in the home you purchase using the help to buy scheme whilst part of the scheme (investment properties are not eligible)
Full Eligibility Criteria
For full eligibility criteria and the Help to Buy Eligibility tool, visit the government website here.
View our house and land packages
We’ve taken the hard work out of finding the perfect house and land packages in Melbourne. Browse our range to find the ideal fit for you and your family.
EasyLiving Promotional Inclusions
Our Home Starts Here EasyLiving promotion is now on. With clever designs and a wide range of inclusions, EasyLiving homes deliver unbeatable quality for any budget.
View our house designs
Our range includes a variety of homes to suit your needs. Whether you're looking for a specific style or size, we're confident we can help you build it from the ground up.
FAQs
What is the Help to Buy Scheme in Australia?
Launched on 5 December 2025, this scheme is designed to help 10,000 Australians each year (that's 40,000 over four years!) achieve their homeownership dreams. The best part? You could get into your new home with as little as a 2% total deposit.
Can I buy a new home with the Help to Buy Scheme
Yes, In Victoria when building in a Capital City the maximum property price is $950,000.
Can I buy a new home with the Help to Buy Scheme
Yes, the Australian Government will contribute up to 40% for new homes if you're successful in obtaining the Help to Buy Scheme.
Am I eligible for the Help to Buy Scheme
You Must be an Australian Citizen and over 18 years old. You must be a first home owner or considered returning to home ownership as detailed in the Help to Buy scheme eligibility criteria. To View the eligibility criteria visit: https://firsthomebuyers.gov.au/australian-government-help-buy-scheme#scheme-details- eligibility.
Get Started with Carlisle Homes Today!
With the expanded Home Guarantee Scheme now available, there’s never been a better time to step into homeownership. Contact Carlisle Homes today and let our team guide you in turning your first home dream into reality.
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Your information is collected by Carlisle Homes Pty Ltd and will be used and held in accordance with our Privacy Policy. This information is collected for the purpose of inclusion on our communications database and for the purpose of providing access to key features on our website. The purpose of this communications database is to provide members with information about Carlisle Homes and/or our related services or products. For further information on our Privacy Policy or our complaints process please click here.
