AusSchemes is not a government service. This information is general in nature and may not reflect the most recent eligibility rules or amounts. Always confirm details on the official source before applying.
Regional First Home Buyer Guarantee
Same benefits as the First Home Guarantee but specifically for people buying or building in regional Australia. Must have lived in a regional area for the preceding 12 months.
Indicative amount
Avoids LMI costs; guarantees up to 15% of loan
Indicative amount only — confirm on the official page
What you get
Government guarantees up to 15% of the loan on a regional property purchase with as little as a 5% deposit, avoiding LMI costs. Higher property price caps apply in some regions.
Who it's for
Relevant life events: buying home
How to apply
1. Check eligibility and property price caps on the Housing Australia website. 2. Apply through a participating lender. 3. Confirm regional residency history.
Documents you may need
- Proof of 12 months regional residency
- Income documentation
- Identity documents
Informational only — confirm exact requirements on the official page.
You will be taken to www.housingaustralia.gov.au
Last reviewed by AusSchemes: 20 April 2026