Relaxed Rules for First Home Buyers Scheme

by Carlisle Homes

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Worried you’ll be stuck in the rental trap forever? Think again! The government has relaxed eligibility requirements for its Home Guarantee Scheme, making it easier to buy your own home.

The federal government has recently announced a major shake-up to its Home Guarantee Scheme, making it easier to escape the rental cycle and buy your own home.

Our EasyLiving series features a range of beautiful and spacious houses from just $270,900 for a four-bedroom, two-living room and two-bathroom home with all the mod cons, like a gourmet kitchen with Caesarstone benchtops and top-notch appliances. So why not find out if one of these great government schemes can help make your dream of home ownership a reality?


Recent changes to the government’s home buyers’ schemes are designed to help more Australians get into their first home.

More relaxed rules

Previously, the First Home Guarantee and Regional First Home Guarantee were only open to singles and married and de facto couples. But the newly relaxed rules, which came into effect on 1 July 2023, allow siblings, friends, other family members to jointly apply, as well as permanent residents (not just Australian citizens) and those who have owned a property previously, but not in the last 10 years.

Under both schemes, the federal government acts as a guarantor on up to 15 per cent of a home loan. This allows eligible buyers to purchase a home with as little as five per cent deposit without paying lenders mortgage insurance, and at a much more competitive home loan rate – saving you tens of thousands of dollars. If you have already purchased land, you could still be eligible, so long as you make your application for the scheme with your building contract prior to your land settling.

Family Home Guarantee changes

Applying for the Family Home Guarantee is also now easier for those with dependants, with the criteria expanding beyond just single natural and adoptive parents to include single legal guardians of children, such as aunts, uncles and grandparents.

With the Family Home Guarantee, the federal government acts as guarantor on up to 18 per cent of a home loan, allowing eligible home buyers to purchase a home with as little as a two per cent deposit, without paying Lenders Mortgage Insurance.

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Our great-value EasyLiving homes start from just $270,900 and construction can start as soon as 12 weeks from when your land titles.

More places available

There are 35,000 First Home Guarantee places available per year, with an additional 10,000 places for the Regional First Homebuyer Guarantee and 5,000 for the Family Home Guarantee.

Find out if you’re eligible

You can find out if you’re eligible for one of these government schemes by answering a short questionnaire on the federal government's National Housing Finance and Investment Corporation (NHFIC) website.

Choose your perfect EasyLiving home today!

We’ve made building a Carlisle EasyLiving home a simple six-step process – from financing and choosing the right house & land package to construction. That means minimal hassle and fuss and no complicated decisions to make along the way. Simply choose a home and interior scheme you love and prepare to move in once it’s built.

And with these newly expanded government grants, it’s a dream that may now be well within reach!

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Carlisle EasyLiving homes start from just $270,900 and come packed with great-value inclusions. Explore our range of stunning single and double storey EasyLiving designs here.


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