AUSTRALIAN
GOVERNMENT
HELP TO BUY SCHEME
BUILD YOUR
FIRST HOME
WITH AS LITTLE
AS 2% DEPOSIT
LIMITED SPOTS AVAILABLE
Eligibility criteria and terms and conditions apply.
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4.9 Stars rating from 112 reviews as at 8th October 2026
What our clients say
What is the Help to Buy Scheme?
Most first home buyers think they need a $100,000 deposit, but that is no longer the case. The Australian Government’s Help to Buy Shared Equity Scheme helps eligible buyers purchase a home with a smaller deposit and mortgage. For new homes, the Government may contribute up to 40% of the purchase price, helping reduce both the deposit required and the size of the loan. You own and live in the home while the Government holds an equity share that can be repaid when the property is sold or when you choose to buy back the share.
Are you Eligible?
To qualify for the scheme you must generally:
- Be 18 years or older
- Be an Australian citizen
- Earn no more than $100,000 (single) or $160,000 (couple or single parent)
- Not currently own property
- Live in the property as your principal place of residence
Additional criteria and property price caps apply.
Introducing H&L Victoria
Who are we?
H&L Victoria is an independent New Home Broker company that provides hundreds of home buyers every year with a full turnkey solution for their new home needs across Melbourne, Ballarat, Geelong and most other regional areas in Victoria. Our clients benefit from our knowledge, our experience and our builder network to not only find the right solution… but also to save time and eliminate the stress and confusion of going to a builder directly themselves.
What do we do?
Whether you have your own block of land or need us to source one for you, we provide home buyers with premium full turnkey homes at affordable prices using our network of builders. Our process is designed to cut out all the smoke and mirrors of display homes and confusing promotions, and instead just focus on aligning you with the right builder, providing quality turnkey inclusions and supporting you from the initial quote right through to the handover of your keys.
How do we do it?
We provide a range of solutions for all buyer types, everyone from budget-conscious investors and first home buyers, right through to second and third home buyers looking to customise their own home from scratch. We also focus on keeping things simple by providing more value in every base price upfront, including everything you’ll need such as front and rear landscaping, driveway, fencing, letterbox, clothesline, cooling, blinds and much more… which means you won’t have the added stress of having to pay for all these items after your home is completed.
Why choose H&L Victoria to be your Help to Buy partner?
H&L Victoria specialises in helping buyers navigate the Help to Buy Shared Equity Scheme and partners with one of Australia’s leading banks to simplify the process.
We work with one of Australia’s leading banks to help secure your pre-approval and confirm your borrowing capacity.
Our team assists with the required approvals through Housing Australia and the lender.
Once approved, we help you secure a full turnkey house and land package suited to your financial position and lifestyle.
We have helped thousands of customers build brand new turnkey homes over the past 10+ years.
Our relationship with one of Australia’s leading banks helps streamline approvals.
Our team guides you through the process from eligibility to selecting your home.
How to Get Started
Check Eligibility
Register your details online and we’ll arrange your initial eligibility discussion.
Pre-Approval
We’ll work with you to assist in securing pre-approval through one of Australia’s leading banks.
Choose Your Home
Once approved, we’ll help you secure a suitable turnkey house and land package.
Find out if you may be eligible for the Government Help to Buy Scheme.
Limited places available through the Government scheme.
Terms and Conditions apply.
Some of Our Happy Clients
Take a walk through our Real Home, Real Inclusions virtual tour
Download Brochure Now
To find out more, enter your details and download the brochure. One of our new home specialists will be in touch to arrange your eligibility call.
By submitting this form you are consenting to receive marketing communications from H&L Victoria in future, on the understanding that you have read and agree to our Privacy and Data Collection Statement and that you can opt-out at any time.
Disclaimer: This website provides general information only and does not constitute financial advice. Eligibility for the Australian Government Help to Buy Scheme is determined by Housing Australia and participating lenders. Terms, conditions, income caps and property price caps apply. Buyers should seek independent financial advice before proceeding. Whilst a minimum deposit of 2% of the overall purchase price is available, this is subject to eligibility and is not guaranteed for all applicants. Based on individual assessment, each applicant will need to contribute the maximum amount they can afford, meaning the deposit amount required can vary based on individual circumstances. The deposit amount excludes items such as, but not limited to stamp duty, legal and conveyancing fees, inspection and valuation fees and other associated purchasing costs like mortgage registration fees, settlement fees, building insurance, connection fees and any other related charges.
H&L Victoria refers to H&L Victoria Pty Ltd (ACN 610 541 921) of 300B Gillies Street, Wendouree, VIC 3355. Facade illustrations, images and photographs in this brochure may depict items not supplied by H&L Victoria, such as but not limited to; fencing, stacker stone, landscaping features (including planter boxes), driveway, decorative lights, window furnishings, upgrade materials, fixtures and finishes. Photographs and floorplans used in this brochure may not represent standard specifications or inclusions and are not to scale. This information is to be used as a guide only and H&L Victoria along with any of its Builder Partners makes no warranties about the accuracy or completeness of the information. Façade designs and elements may vary depending on the home design chosen. Refer to standard working drawings. Upgrade options are at an additional cost. H&L Victoria or any of its Builder Partners reserve the right to change or substitute the make, range, model and/or type of any product. All images, plans and facades are copyright; no part may be used, reproduced or copied by any means or in any form without the prior written permission of H&L Victoria.
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