{"id":5251,"date":"2023-05-11T09:16:30","date_gmt":"2023-05-10T23:16:30","guid":{"rendered":"https:\/\/financialplus.com.au\/?p=5251"},"modified":"2023-05-11T09:16:30","modified_gmt":"2023-05-10T23:16:30","slug":"more-home-buyers-set-to-benefit-from-low-deposit-no-lmi-schemes","status":"publish","type":"post","link":"https:\/\/financialplus.com.au\/more-home-buyers-set-to-benefit-from-low-deposit-no-lmi-schemes\/","title":{"rendered":"More home buyers set to benefit from low deposit, no LMI schemes"},"content":{"rendered":"

\"\"More Australians (and permanent residents!) will soon be eligible for a leg up into the property market under an expanded Home Guarantee Scheme. Today we\u2019ll run you through all the upcoming changes to the low deposit, no lenders mortgage insurance scheme.<\/strong><\/p>\n

Officially unveiled as part of the 2023 federal budget, the expanded\u00a0Home Guarantee Scheme<\/a>\u00a0will have broader eligibility criteria from 1 July 2023.<\/p>\n

So if you\u2019re a single parent or guardian, first home buyer, haven\u2019t owned property for a decade, permanent resident, or looking to buy a home with your friend or sibling \u2013 be sure to read on to find out if you\u2019re eligible.<\/p>\n

What is the Home Guarantee Scheme?<\/h3>\n

Getting a deposit together can be a massive hurdle when buying a home.<\/p>\n

And if your deposit is lower than 20%, you can get stung with lenders mortgage insurance (LMI), which can cost you anywhere between $4,000 and $35,000, depending on the property price and your deposit amount.<\/p>\n

But through the\u00a0NHFIC<\/a>, the federal government has three low deposit, no LMI schemes.<\/p>\n

Which means if you\u2019re eligible, you won\u2019t need to wait until you\u2019ve reached the standard 20% deposit.<\/p>\n

The\u00a0First Home Guarantee<\/a>\u00a0and\u00a0Regional First Home Buyer Guarantee<\/a>\u00a0support eligible buyers to purchase a home with a low 5% deposit and no LMI.<\/p>\n

And the\u00a0Family Home Guarantee<\/a>\u00a0assists eligible single parents to buy a home with a deposit of just 2% and no LMI.<\/p>\n

Access to these schemes can, on average, bring forward the home-buying process by\u00a0five years<\/a>!<\/p>\n

It\u2019s worth noting there is an eligibility criteria, which covers property types, locations and prices.<\/p>\n

But an experienced broker (that\u2019s us!) will be across all the ins and outs to help you work out if you qualify.<\/p>\n

What are the upcoming changes?<\/h3>\n

Good news if you are among the increasing number of Australians joining with friends, siblings, and other family members to buy a home.<\/p>\n

Come 1 July 2023, you may be eligible to lodge a joint application under the First Home Guarantee and Regional First Home Buyer Guarantee; previously you could only apply as an individual or married\/de facto couple.<\/p>\n

Meanwhile, the Family Home Guarantee is set to expand to include single legal guardians, such as an aunt, uncle or grandparent. Previously it was only for eligible single natural or adoptive parents.<\/p>\n

All three schemes will expand to eligible borrowers who are Australian permanent residents, in addition to citizens.<\/p>\n

And all three guarantees will include eligible borrowers who haven\u2019t owned a property in Australia in the last ten years.<\/p>\n

What you need to know<\/h3>\n

The Home Guarantee Scheme can be a great way to fast-track getting into the property market.<\/p>\n

But you\u2019ll have to get in quick because places are strictly limited.<\/p>\n

That includes 35,000 places per financial year across the First Home Guarantee, 10,000 places per financial year under the Regional First Home Buyer Guarantee, and 5,000 places per financial year under the Family Home Guarantee.<\/p>\n

Also, not all lenders are involved with the scheme. But we can help you to identify and compare participating lenders.<\/p>\n

So give us a call today to get the ball rolling.<\/p>\n

Disclaimer:<\/strong>\u00a0The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.<\/p>\n","protected":false},"excerpt":{"rendered":"

More Australians (and permanent residents!) will soon be eligible for a leg up into the property market under an expanded Home Guarantee Scheme. Today we\u2019ll run you through all the upcoming changes to the low deposit, no lenders mortgage insurance scheme. Officially unveiled as part of the 2023 federal budget, the expanded\u00a0Home Guarantee Scheme\u00a0will have […]<\/p>\n","protected":false},"author":23,"featured_media":5252,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[110],"tags":[],"class_list":{"0":"post-5251","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-home-loans","8":"entry"},"yoast_head":"\nMore home buyers set to benefit from low deposit, no LMI schemes · FinancialPlus Mortgage Broker Gold Coast<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finance-matters.info\/2023\/05\/10\/more-home-buyers-set-to-benefit-from-low-deposit-no-lmi-schemes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"More home buyers set to benefit from low deposit, no LMI schemes · FinancialPlus Mortgage Broker Gold Coast\" \/>\n<meta property=\"og:description\" content=\"More Australians (and permanent residents!) will soon be eligible for a leg up into the property market under an expanded Home Guarantee Scheme. 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