There are Government support schemes available to eligible borrowers within these groups to buy a home, and you have come to the right place for assistance. Unity Bank is a participant in the Australian Government’s Home Guarantee Scheme offered nationally by Housing Australia. Find out more below and do a quick check of your eligibility for each of the options by clicking on the ‘Eligibility criteria’ and ‘Key benefits’ links.

To talk to someone about these assistance options and have a conversation about your own situation, contact us on 1300 36 2000.


  Family Home Guarantee
Who is eligible?

Australian citizens or permanent residents1

Single parents or single legal guardians who do not currently own a property or do not intend to own a separate property when they settle on the home

Purchase location Australia-wide
Minimum deposit 2%
Income threshold Up to $125,000
Property price caps Yes, property price caps for the purchase location can be viewed here.
Asset limits No
  Family Home Guarantee
Government’s contribution to equity No
Avoid Lenders Mortgage Insurance (LMI) Minimum 2% deposit required
Option of third party guarantee to avoid/reduce LMI No
Annual fee Waived
Establishment fee Waived
Settlement fee Waived
Valuation fee Waived - for one property only
Unity Bank legal fee Waived

Home Loan calculators

Use our Home Loan calculators to determine the amount you can borrow and monthly repayment amounts.

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Credit eligibility, terms and conditions, additional fees & charges may apply. All information including interest rate is subject to change.

1. For Family Home Guarantee, permanent residents include New Zealand citizens for the purposes of citizenship applications only.