Family Home Guarantee Application

Issuing authority

Housing Australia (formerly NHFIC) — Federal

Official source

How to apply

1. Check eligibility: you must be an Australian citizen or permanent resident aged 18+, be single (no spouse or de facto partner), be the natural, adoptive, or legal guardian of at least one dependent child, and intend to owner-occupy the property
2. Save a minimum 2% deposit of the property purchase price
3. Check the property price cap for your location at housingaustralia.gov.au — caps vary by state and region (e.g., Sydney cap raised to $1.5 million from October 2025); there is no income cap from October 2025
4. Use the eligibility checker tool at firsthomebuyers.gov.au to confirm your situation
5. Select a participating lender from the list of 30+ authorised lenders on the Housing Australia website (you cannot apply directly to Housing Australia)
6. Apply for a home loan with your chosen participating lender and inform them you wish to apply under the Family Home Guarantee
7. The lender assesses your eligibility and submits an application to Housing Australia on your behalf
8. Upon approval, receive your guarantee and proceed with property purchase and settlement; you must continue to live in the property as owner-occupier to maintain the guarantee

Related topics

Related forms

• VCAT Tenancy Dispute Application
• NCAT Tenancy Dispute Application
• QCAT Tenancy Dispute ApplicationForm 2
• RTA Dispute Resolution RequestForm 16
• Bond Refund Claim