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Help to Buy Scheme
Help to Buy Scheme: what it costs, how it works, and who it is not for. Every figure carries the source it came from and the date it was read.
Is Help to Buy a trap?
Help to Buy Scheme is set by each lender's own credit policy, and the policies differ more than the marketing does. Money Brain has not yet published a lender-by-lender position on this, so this page explains the mechanism and names nothing it cannot source. What is here was read at source and dated.
How current is this page?
Every figure on this page carries the source it came from and the date it was read. Where a lender-by-lender position has not been read at source, the page says so rather than repeating something from memory. Lender policy changes quietly and often.
What decides your answer
Help to Buy: Which Lenders Take It, and What You Give Up
Help to Buy: Which Lenders Take It, and What You Give Up is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
What you actually give up for it
What you actually give up for it is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
Is Help to Buy a trap?
Is Help to Buy a trap is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
What decides your answer
What happens when you sell, or when your income rises
What happens when you sell, or when your income rises is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
Which lenders are on the panel
Which lenders are on the panel is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
Will a lender take Help to Buy alongside your other circumst
Will a lender take Help to Buy alongside your other circumstances is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
What decides your answer
How to stack it with a state grant or concession
How to stack it with a state grant or concession is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
Eligibility, and the caps by state
Eligibility, and the caps by state is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
Help to Buy vs the 5% Deposit Scheme vs a guarantor
Help to Buy vs the 5% Deposit Scheme vs a guarantor is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
What decides your answer
How to apply, and where a broker fits
How to apply, and where a broker fits is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
FAQ
FAQ is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
Sources and verification - every figure linked to Treasury o
Sources and verification - every figure linked to Treasury or Housing Australia, dated is decided by the lender's own policy rather than by a general rule, and Money Brain has not published a position it has not read. What is certain is the mechanism: the answer turns on your own numbers and on which lender is asked, which is what a short call settles.
Questions
How to apply, and where a broker fits depends on the lender's own policy and on your numbers. Money Brain does not publish a lender position it has not read at source, so the honest answer here is the mechanism rather than a name — and the call gives you the name.
Sources and check dates
Every claim on this page carries the document it came from and the date Money Brain read it. Where no document has been read, the page says so rather than stating a position.
Who wrote this page
Darren Parker, Credit Representative 501592, authorised under Australian Credit Licence 389328. Every figure here was read at source and dated. If a lender's position has changed since the date shown, tell him and it is corrected.
See where you stand before you decide anything
Updated 13 September 2026