State & Federal schemes to support home buyers.

We'll help you understand and utilise home buyer schemes that best suit your needs. These programs aim to reduce the financial barriers associated with building a new home, making it more accessible for first home buyers in Victoria.
First Home Owner Grant (FHOG)
A one-off $10,000 payment is available for eligible first home buyers who build or purchase a new home valued up to $750,000. The property must not have been previously sold or occupied.
Victorian Homebuyer Fund (VHF)
This shared equity scheme allows the Victorian Government to contribute up to 25% of the purchase price of a new home, reducing the amount first home buyers need to borrow. Participants must have a 5% deposit and meet eligibility criteria..
First Home Guarantee (FHBG)
A federal initiative under the Home Guarantee Scheme, the FHBG enables eligible first home buyers to purchase or build a new home with a deposit as low as 5%, without paying Lenders Mortgage Insurance. The government guarantees up to 15% of the loan.
Stamp Duty Concessions
Eligible first home buyers building a new home may receive exemptions or concessions on stamp duty for properties valued up to $600,000, with concessions available for properties valued between $600,001 and $750,000.
Help to Buy Scheme
A federal shared equity program where the government contributes up to 40% of the purchase price for new homes, assisting eligible buyers in entering the property market with a smaller deposit and loan. Participants must meet income and property price thresholds. These programs aim to reduce the financial barriers associated with building a new home, making it more accessible for first home buyers in Victoria.

Use your Superannuation as a deposit

Can be used for investment or to build a home to live in.
Typically someone with a solid super balance of +$150,000 either managed or SMSF, seeking a long term investment strategy within residential property, with fixed returns paid monthly and capital appreciation - without all the holding cost, taxes and purchasing costs related to acquiring property.
  • Property Investor Investor qualifies for the Shared Equity product and home loan.
  • SMSF Sets up an SMSF (or uses his existing) ideally needs 20% plus cost as a minimum. Will also need 10% surplus in the SMSF after investment.
  • Property Fund SMSF will invest 20% of the value of property into the fund. The Fund will provide 20% of the property value via a Shared Equity Deed.
  • Bank Provides 80% of the balance via a home loan.
  • Property Investor Pays 6.5% p.a. monthly Occupancy Fee to the Property Fund for the 20% equity used to purchase the property. He is also 100% owner of the property.
  • Property Fund Pays the SMSF (Investor) 5.5%p.a. return
More info please

Reimagining Homes, Investing Smarter

Why build a Co-Living Home?
Co-living investment involves purchasing or developing properties designed for shared living, where residents have private bedrooms and bathrooms, with inbuilt kitchenette, but share common areas like kitchens and lounges. This model caters to the demand for affordable, community-centric living, appealing especially to millennials and young professionals. Investors benefit from higher rental yields and occupancy rates due to multiple tenants. Co-living spaces also often offer added amenities and services, enhancing their attractiveness and investment potential.
  • HIgher Rental Yield Co-living spaces tend to generate higher rental yields compared to traditional rentals. The ability to rent out multiple rooms individually increases the overall income from a single property, making it a lucrative option for maximizing rental earnings.
  • Better Appreciation Properties developed for co-living can experience better capital appreciation due to their modern amenities and appeal to a growing demographic. As demand for flexible, community-driven living increases, these properties may appreciate faster than traditional residential homes.
  • Specially Designed Floor Plans Co-living investments are crafted with unique floor plans that optimize shared spaces while ensuring private areas are comfortable and functional. This intelligent design appeals to tenants looking for both social interaction and personal space, enhancing the property's rental appeal.
More info please