Home Page > Home Loans > Single Parent & Government Scheme Home Loans
Single Parent Home Loans
We help single parents buy a home with the right support and loan structure.
Home Page > Home Loans > Single Parent & Government Scheme Home Loans
Buying a Home as a Single Parent? Support & Schemes May Be Available
We help single parents buy a home with the right support and loan structure.
Who This Page Is For?
This service is for you if you’re:
- Single parents buying their first home
- Single parents re-entering the property market
- Parents unsure how much they can borrow on one income
- Borrowers wanting clarity on government schemes
- Anyone feeling unsure where to start
If you’re doing this on your own, you’re not alone.
Government Schemes
That May Support Single Parents
Depending on eligibility, support may include:
First Home Guarantee
(Single Parent Pathway)
Allows eligible single parents to purchase with a lower deposit, without paying the lender’s mortgage insurance (LMI).
First Home Owner Grant
(FHOG)
A one-off grant for eligible buyers purchasing new or substantially renovated homes.
Stamp Duty Concessions & Exemptions
Reduced or waived stamp duty for eligible buyers and properties.
Eligibility Rules Vary by State & Situation
We Help You Understand What Applies.
Single-Parent Concerns
And How We Help
01
Can I borrow enough on one income?
We assess borrowing power realistically
02
I don’t have a big deposit.
We explain low-deposit and scheme options
03
My income includes parenting payments
We assess how lenders treat different income types
04
I’m scared of over-stretching
We structure loans conservatively
05
I don’t know where to start
We guide you step by step
Finance That Grows with Your Life
We Handle the Loans, So You Live Your Life.
How We Approach
Single-Parent
Home Loans
Borrowing power & budget clarity
We help you understand what’s comfortable — not just what’s possible.
Scheme eligibility review
We check which government schemes you may qualify for.
Lender policy matching
We identify lenders supportive of single-income households.
Loan structuring
We structure repayments to suit your cash flow.
Application & settlement support
We manage the process end-to-end.
You Relax.
We Do the Rest.
What You Get
When Work with Us
Clear explanation of government schemes
Realistic borrowing power assessment
Access to single-income-friendly lenders
Guidance on deposits, grants, and concessions
Ongoing support as circumstances change
End-to-end application support
Things We Help
You Plan For
Buying on one income means planning carefully for:
01
Living expenses
02
Child-related costs
03
Interest rate changes
04
Buffering repayments
Our role is to help you buy with confidence, not pressure.
Single Parent Home Loans
Family Home Guarantee (2% Deposit) Explained
Buying a home as a single parent can feel financially out of reach. Saving a full deposit on one income, managing living costs, and meeting bank criteria often create uncertainty before the process even begins. But with the right structure and access to the Family Home Guarantee, home ownership may be possible with as little as a 2% deposit, single-parent contribution.
The single-parent home loan pathway is designed to support eligible borrowers through government-backed initiatives. Under the Family Home Guarantee, eligible applicants may purchase a property with just 2% deposit and no lender’s mortgage insurance (LMI), thanks to an LMI-waived scheme supported by participating government guarantee lenders.
However, understanding Family Home Guarantee eligibility, property price caps scheme limits, and lender credit policy is critical. Not every lender participates, and not every property qualifies. Income caps, dependent child requirements, and previous property ownership history all affect approval.
The scheme requirements are specific. To qualify, you must meet income limits, have at least one dependent child, and satisfy lender servicing criteria. Many borrowers ask, “Who counts as a single parent for the scheme?” or “Can I use it if I owned a home before?” In some cases, previous ownership does not automatically disqualify you, but eligibility rules must be carefully reviewed.
A properly structured single-parent home loan isn’t just about meeting minimum deposit rules. It’s about ensuring repayments are manageable long-term. We review borrowing capacity, explain how the Family Home Guarantee, eligibility rules, price caps, and LMI waiver interact, and position your application with the right lender from the start.
Our focus is stability, not shortcuts. We guide you step by step so you understand both the opportunity and the responsibilities involved.
If you’re unsure whether you qualify under the Family Home Guarantee or want clarity around scheme requirements, we can assess your situation and outline the next steps with confidence.
We help single parents assess:
Full Family Home Guarantee eligibility requirements
Current property price caps scheme thresholds in your state
Whether you qualify as a single legal guardian home loan applicant
Access to lenders offering an LMI-waived scheme participation
Structured pre-approval single-parent applications to strengthen your offer
Ongoing loan sustainability beyond initial approval
/ FAQ
Your Questions Answered
Can single parents buy with a low deposit?
Yes, in some cases, through government schemes, subject to eligibility.
Do I need to be a first-home buyer to qualify?
Not always. Some schemes are available to eligible single parents who have owned before.
Does child support count as income?
Sometimes. This depends on consistency and lender policy.
What government schemes are available for single parents?
This depends on your state, income, and property type. We explain this clearly.
Can I still qualify if I receive Centrelink payments?
Some lenders accept certain payments. We assess this carefully.
Will my borrowing power be lower on one income?
Often yes, but the right structure and scheme support can help.
Is it riskier to buy as a single parent?
Planning matters more; that’s where guidance helps.
Does using a scheme limit my future options?
Sometimes. We explain the long-term implications upfront.
Your Journey
Starts Here
Ready to talk?
Whether you know what you want or don’t know where to begin, we’re here to help.
Call Us On
1800 623 292
Let's
Explore Your Options
We’re here to help.