On 12 October 2023, the National Housing Finance and Investment Corporation (NHFIC) was renamed Housing Australia. All reports and publications published prior to this date will reference NHFIC. However, these references can now be read as references to Housing Australia.

The Australian Government’s Home Guarantee Scheme supports eligible home buyers to buy a home sooner.

The table below compares key aspects of the Guarantees. This information is provided as a guide for home buyers and does not confirm that a home buyer will secure a Guarantee or loan from a Participating Lender.

These Frequently Asked Questions contain general information about the Home Guarantee Scheme.

The eligibility checker is a short questionnaire to help home buyers decide which Guarantee may be applicable.

Housing Australia does not accept applications for the Home Guarantee Scheme (HGS) or provide personal financial advice.   

Applications for the Guarantees available under the HGS can be made directly with a Participating Lender or their authorised representative (a mortgage broker).   

Home buyers (and those advising them) should consider consulting with a Participating Lender and seek independent financial and legal advice about whether a particular home loan or property, and the terms of the HGS suit personal circumstances and objectives. 

Before entering into a home loan agreement, home buyers should consider talking with their lender (or broker) about the potential implications of changing interest rates or house prices on individual circumstances.

For more information and to discuss individual circumstances, contact a Participating Lender.  

Home Guarantee Scheme tools and resources.

Supporting eligible home buyers to buy a home sooner.