Buying your first home should feel exciting — not impossible. But if you’re a first home buyer, you might be finding the biggest hurdle isn’t saving… it’s getting a loan that actually fits your budget. The Help to Buy (HTB) Scheme is designed to support buyers with lower incomes by reducing how much you need to borrow, which can mean lower repayments and a much more achievable path into home ownership.

What is Help to Buy?

Help to Buy is an Australian Government shared equity scheme designed to help eligible home buyers purchase a home sooner.

Here’s the simple version:

• You contribute a minimum 2% deposit

• You get a home loan through a participating lender

• The Government contributes toward the purchase price

  • Up to 40% for a new home

  • Up to 30% for an existing home

That means you could potentially buy your first home with a much smaller deposit than you expected — and borrow less overall too.

And here’s a big bonus: under Help to Buy, you don’t pay rent or interest to the Government, and you don’t make monthly repayments to them either.

Why first home buyers in Perth are loving it

Perth is one of the most exciting places in Australia to buy your first home right now. You get the lifestyle, the space, and the chance to build something that feels truly yours.

But for a lot of first home buyers in Perth, the biggest challenge isn’t actually saving a deposit…
It’s affording the repayments and getting approved for a loan that doesn’t stretch you too far.

That’s where Help to Buy can make a real difference.

It can help you:

✅ Afford a home with lower repayments
Help to Buy reduces the amount you need to borrow, because the Government contributes part of the purchase price. That can mean a smaller mortgage and more manageable monthly repayments.

✅ Improve your serviceability
If the bank won’t lend you enough to buy 100% of the home, Help to Buy may help bridge that gap — because you’re only financing the portion you can realistically afford.

✅ Feel more confident in your budget long-term
Buying your first home should feel exciting, not stressful. Help to Buy can give you more breathing room so your mortgage fits your lifestyle — not the other way around.

At Easystart Homes, we’re all about making the journey feel simpler, clearer, and way more achievable — especially when affordability is the main goal.

Can you still build with Easystart Homes?

Yes — and this is where it gets exciting.

If you’re dreaming of a brand-new home (hello fresh start, modern design, and zero renos 👏), Help to Buy can support eligible buyers building a new home too.

That means you could potentially build with Easystart Homes and still benefit from:

• a low deposit option

• Government contribution support

• a smoother path into home ownership

It’s all about giving you more ways to say “yes” to your first home.

Who is Help to Buy best for?

Help to Buy is designed for people who are close to buying, but just need a little extra support to bridge the gap.

It could be worth exploring if you’re a:

• first home buyer

• buyer who can afford repayments but needs help with the deposit side

• buyer who wants a new home, without waiting years longer to save

Every situation is different, so it’s always worth getting the right advice and checking your eligibility.

The income caps are low — and that’s on purpose

This is super important: Help to Buy has strict income caps, because it’s aimed at people who genuinely need affordability support.

To be eligible, your income must be:

• $100,000 or less per year for individual applicants

• $160,000 or less combined for joint applicants

• $160,000 or less for single parents

These limits are based on your taxable income from your most recent ATO Notice of Assessment.

So if you’re a first home buyer Perth based and your income sits under these caps, Help to Buy could be a serious option worth exploring.

Ready to take the first step?

Buying your first home is a big milestone — but it doesn’t have to feel overwhelming.

If you’ve been searching for a sign to finally get started, this might be it.

• Explore your options with Easystart Homes
• Learn more about Help to Buy
• Take the next step toward becoming a confident first home buyer

Enquire today and let’s help you unlock the front door to a place that’s truly yours.