Help to Buy calculator
Could Help to Buy shrink your loan?
With Help to Buy, the government can own up to 40% of a new home or 30% of an existing one, so you buy with a 2% deposit and a smaller loan. See whether this purchase may fit, and how it would be split.
The property
Optional, but it fills in the state and area, and saves this to the right property in your plan.
Price
$
State
Area
Capital cities and regional centres have a higher cap. The official postcode tool on firsthomebuyers.gov.au confirms which applies.
Property type
The government can take a bigger share of a new home.
Who's buying
Your yearly income
Before tax, from your latest notice of assessment. The 2026–27 cap for you is $103,000.
$
Your deposit
$
More about you and the costs
Eligibility
Costs