Own Your First Home with Just 5% Deposit
From 1 October 2025, buying your first home gets easier: no income limits, no caps, no LMI, and higher price thresholds.
This isn’t just another government scheme it’s your fastest path to property ownership.
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Build your future with only 5% down (or **2% if you’re a single parent).
The Government guarantees up to 15% of your loan, saving you tens of thousands in LMI.
Expanded price caps so you can buy where you really want to live
Your dream home is closer than you think.
With the new government incentives, you can get the home you’ve been dreaming of with as little as 5% deposit or just 2% if you’re a single parent and pay no LMI (Lenders Mortgage Insurance).
Why this is the best moment to buy your first home
For years, buying your first home has felt out of reach: big deposits, extra costs, endless rules. Now, the First Home Guarantee has changed giving you a clear path to own your home sooner:
No more limited spots
No income ceiling
Higher price caps
With JDL Finance, you don’t have to navigate the fine print alone. We map out the numbers, secure your approval, and guide you all the way to your new front door.
New price caps (from Oct/2025)
Sydney (NSW): A$900,000 → A$1,500,000
Adelaide (SA): A$600,000 → A$850,000
Melbourne (VIC): A$800,000 → A$950,000
Hobart (TAS): A$600,000 → A$700,000
Brisbane (QLD): A$700,000 → A$1,000,000
Canberra (ACT): A$750,000 → A$1,000,000
Perth (WA): A$600,000 → A$850,000
Darwin (NT): A$600,000 → A$750,000
(Indicative only final caps are set by Housing Australia and may vary by metro/regional zones.)
Are you eligible?
- Be 18+ and an Australian citizen or permanent resident.
- Be a first home buyer (or not have owned a home in the last 10 years).
- Live in the property within six months of purchase.
- Have at least a 5% deposit (or **2% if you’re a single parent).
- Buy within your region’s price cap.
- You can apply alone or with a friend, sibling, partner, or family member not just couples.
We check all this for you and show exactly what you can afford.
Why choose JDL Finance
Buying your first home isn’t just paperwork it’s one of life’s biggest and most exciting milestones.
We make it clear, fast, and achievable
✔ Free personalised eligibility check
✔ Strategy to combine federal & state incentives (FHOG, stamp duty savings)
✔ Access to lenders who understand the new rules
✔ Step-by-step support until you get the keys
Let’s turn “someday” into move-in day.
FAQs
Can I use my super savings (FHSSS)?
Yes, you can release voluntary contributions and still access the Guarantee.
Do I need to buy with a partner?
No, friends, siblings, or family can buy together.
Can I buy an investment property?
No, the home must be owner-occupied.
Are there income limits?
No, from October 2025, there’s no income cap.
Are spots limited?
No, it’s now uncapped.
What about interest rates?
They depend on the lender and your credit profile, we compare and negotiate the best deal for you.
Book your FREE
Strategy Session
If home ownership is a dream of yours, but you don’t know where to begin, get in touch with us. This may very well be the game changer you’ve been so excitedly waiting for!