What Is the Home Guarantee Scheme 2025?
The Australian Government’s Home Guarantee Scheme (HGS) has been expanded from 1 October 2025, helping more first home buyers in NSW achieve home ownership. Visit https://www.revenue.nsw.gov.au/grants-schemes/first-home-buyer/assistance-scheme for more information.
With a 5% deposit, no Lenders Mortgage Insurance (LMI), and no capped places, the HGS makes it easier to secure your first home, land, or house and land package — especially at The Sanctuary, one of NSW’s most desirable new communities.
5% Deposit and No LMI — Save Thousands
Saving for a deposit is one of the biggest barriers for first home buyers. The expanded HGS lets you purchase with as little as 5% down, while avoiding LMI — a saving of $20,000–$40,000 on an average home loan.
This means you can buy your first home sooner without the burden of years of saving. Banks will still assess your borrowing capacity, but your upfront costs are much lower, helping you move forward with confidence.
No More Capped Places — Take Your Time
The Home Guarantee Scheme 2025 has no limit on the number of guarantees issued each year. No more waiting lists or missed opportunities — you can buy when you’re ready.
This is ideal for buyers comparing land for sale or house and land packages at The Sanctuary, giving you the freedom to choose the perfect block and builder at your own pace.
More Australians Now Qualify
The scheme now includes more households by removing income caps. Dual-income and regional families who were previously excluded can now apply.
For buyers in NSW, this expansion opens the door to affordable home ownership in communities like The Sanctuary, where lifestyle, convenience, and value meet.
Updated Price Caps to Match Real Market Values
The Home Guarantee Scheme 2025 now reflects current property values, allowing buyers to purchase in the areas where they live and work.
At The Sanctuary, our range of coastal new homes and land packages are priced to align with the new HGS thresholds — making it easier than ever to find your ideal home within your budget.
Which Homes Are Eligible Under HGS?
The scheme applies to new homes only, including:
- New homes off the plan
- Homes under construction
- Newly completed homes that have never been lived in
These criteria make The Sanctuary a perfect match, offering new build opportunities that meet Home Guarantee Scheme 2025 eligibility.
Combine Federal & NSW First Home Buyer Incentives
Eligible buyers can combine the HGS with existing NSW first home benefits, maximising your savings:
- Stamp Duty Exemption up to $800,000*
- $10,000 First Home Owner Grant (FHOG) for new builds*
Together, these benefits could save you tens of thousands of dollars, which you can reinvest in landscaping, furnishings, or upgrades.
*Eligibility and savings depend on individual circumstances and NSW Government criteria.
Why Buy at The Sanctuary?
Located in a vibrant coastal community, The Sanctuary offers:
- Affordable land for sale and house & land packages
- A family-friendly lifestyle close to beaches and nature
- Expert local builders and design flexibility
With the Home Guarantee Scheme 2025 now live, you can secure your homesite sooner and start building your dream coastal home today.
Take the Next Step Towards Home Ownership
Don’t wait — the Home Guarantee Scheme 2025 is open and ready to help first home buyers in NSW step into the property market. Visit https://www.revenue.nsw.gov.au/grants-schemes/first-home-buyer/assistance-scheme for more information.
Contact Michael today on 0432 288 480 or email thesanctuary@youandipm.com.au to learn more about available land and packages at The Sanctuary.