Corporate Plan

Introduction

As the national housing authority, Housing Australia plays a key role in delivering the Australian Government’s housing agenda—expanding social and affordable housing supply and helping Australians access homeownership.

During 2024–25, Housing Australia expended the scale and scope of its operations and achieved a number of significant milestones.

In November 2024, Housing Australia’s Investment Mandate Direction 2018 was amended to enable the allocation of $1.0 billion under the National Housing Infrastructure Facility(NHIF) to fund crisis housing, supporting women and children experiencing family and domestic violence and youth at-risk of homelessness. The NHIF Crisis and Transitional (NHIF CT) program, launched in March 2025, opened for Expressions of Interest on 28 April 2025, reinforcing our response to urgent housing needs.

In December 2024, the Help to Buy Act 2024 assented, establishing the legislative framework for the Help to Buy program. The program will be implemented in 2025–26, supporting eligible Australians to achieve homeownership with an Australian Government contribution to the property purchase. This is provided in the form of a loan that does not require regular loan repayments, that creates an equity share in favour of the Commonwealth and is secured by a second mortgage. Loans are offered to eligible Australians for a value up to 40% for new homes and 30% for existing homes. Each year, it will support 10,000 households to secure a place to call home.

Additional priority initiatives for 2025–26 include delivering further funding rounds under the Housing Australia Future Fund Facility and National Housing Accord Facility, supporting the delivery of secure and affordable housing. We will also implement the Australian Government’s expansion of the Home Guarantee Scheme on 1 October 2025, which will remove income caps, increase property price caps and offer an unlimited number of loan guarantees, broadening access to help more Australians to buy their first home sooner.

My Board colleagues and I are proud to lead an agency that embraces new opportunities
and works closely with stakeholders to deliver on our purpose.

I am pleased to present our 2025–26 Corporate Plan (Corporate Plan) for the period 2025–26 to 2028–29, as required under Section 35(1)(b) of the Public Governance, Performance and Accountability Act 2013 (PGPA Act).

I look forward to reporting on our progress in our annual report.

Carol Austin

Chair
Housing Australia
29 August 2025

Our Activities

The Housing Australia Investment Mandate Direction 2018 (Investment Mandate) gives the Housing Australia Board directions in relation to the financing, guarantee and capacity building functions. The Investment Mandate provides for the establishment and operation of:

1. Affordable Housing Bond Aggregator (AHBA)

   Housing Australia provides loans to registered CHPs by sourcing their funding requirements and financing them, primarily through Government guaranteed bonds; enabling access to lower cost financing.

2. National Housing Infrastructure Facility (NHIF)

   Housing Australia provides finance for critical infrastructure and housing projects to increase the supply of affordable, social, crisis and transitional housing.

3. Housing Australia Future Fund Facility (HAFFF)

   Housing Australia provides loans and grants to increase affordable housing supply, including in regional, rural and remote areas.

4. National Housing Accord Facility (NHAF)

   Housing Australia provides loans and grants to increase affordable housing supply, including in regional, rural and remote areas.

5. Home Guarantee Scheme

   The Scheme enables Housing Australia to provide guarantees to eligible lenders for qualifying homebuyers. Housing Australia will expand the Scheme from 1 October 2025.

6. Capacity Building

   Housing Australia supports registered CHPs with financial and management capability development.

7. Help to Buy¹

   The Help to Buy Act sets out Housing Australia’s Help to Buy functions. Ministerial Directions made under this Act guide the Housing Australia Board activities in relation to Help to Buy arrangements. Housing Australia will administer the Help to Buy program— supporting eligible Australians to buy new or existing homes with a smaller deposit and mortgage.

   Under the program, Housing Australia will provide eligible applicants with a Government contribution of up to 40% of the purchase price for new homes, or 30% for existing homes. This is done under a loan agreement that does not require regular loan repayments, that creates an equity share in favour of the Commonwealth and is secured by a second mortgage. The loan agreement sets out the circumstances under which repayment of the Government’s share is required, such as when the home is sold. Help to Buy will operate in states that have passed enabling legislation and the Australian Capital Territory and Northern Territory.

   The relationship between Housing Australia’s purpose², outcome, key activities and performance measures are shown at Figure 1.

<sup>1. The Scheme was formally established through legislation passed on 27 November 2024.
2. Government outcomes are the intended results, impacts or consequences of actions by the Government on the Australian community. Housing Australia’s outcome is outlined in the Commonwealth Budget documentation (2024–25 Portfolio Budget Statement: Treasury Portfolio).</sup>

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