Eligibility Criteria

To qualify for the Help to Buy Scheme, you’ll need to meet the list of eligibility criteria below:

  • Be an Australian citizen;
  • 18 years of age or older;
  • Earn a taxable income of up to $103,000 per annum for individuals, or up to $165,000 for joint applicants (a maximum of two applicants may apply), or up to $165,000 for single parents;
  • Be purchasing a home to live in yourself or with others (no investment properties);
  • Don’t currently own an interest in a property, either separately or jointly with someone else. Exceptions may apply for single parents;
  • Have saved a minimum deposit of 2% of the purchase price;
  • Have saved enough funds (on top of the deposit) to cover all additional costs (such as conveyancing costs, legal costs and stamp duty);
  • Be purchasing a home under the property price caps for your state and region; and
  • You will need to comply with income caps and participation requirements on an ongoing basis. If you no longer meet the Help to Buy eligibility requirements, we will work with you on a review of your circumstances. You may be required to buy back the Commonwealth Share in full or in part.

You can also use the Help to Buy Eligibility tool for a quick check of the main eligibility criteria to help you understand if you are eligible.

Enquiry Form

If you are interested in the Australian Government Help to Buy Scheme, and would like to discuss your options with one of our Lending Specialists, please complete the enquiry form below.

Please note: This is an enquiry form only. Additional information will be requested by our Lending Team at a later stage to initiate a full home loan application.

Required information

That's ok!

Our Lending Team can still speak with you to discuss your current circumstances and understand how they can support you.

Please continue to complete the remainder of the Enquiry Form below.

That's ok!

Our Lending Team can still speak with you to discuss your current circumstances and understand how they can support you.

Please continue to complete the remainder of the Enquiry Form below.

Please ensure that you refer to the property price caps for your state and region.
Under the Help to Buy scheme, the government will contribute up to 30% for established home purchases and up to 40% to construct your home on vacant land. The equity split will be confirmed by your Lending Specialist.
Do you currently have the required minimum deposit of 2% of the property purchase price?

That's ok!

Our Lending Team can still speak with you to discuss your current circumstances and understand how they can support you.

Please continue to complete the remainder of the Enquiry Form below.

That's ok!

Our Lending Team can still speak with you to discuss your current circumstances and understand how they can support you.

Please continue to complete the remainder of the Enquiry Form below.

Please include the postcode, if known.
Are you a Member?
Preferred method of contact

In providing your contact details, you consent to Queensland Country Bank contacting you about your enquiry. The law requires us to have available information about how we will deal with your personal information. You can access our Privacy Policy here to save, read and print.

Other ways to contact us

You can contact us by calling our Help to Buy Lending Team on 1300 130 036.

Our team is available Monday to Friday, 8:30am to 5:00pm.

Alternatively, you can visit one of our branches to speak to a member of our team in person.

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