Shared-Equity Calculator

Property price + deposit → your equity split and LMI saving.

By Scheme Tools Editorial Team · Last updated: 2026-10-10

Help to Buy — Shared-Equity Calculator

See your equity split, loan size, and LMI saving under the federal scheme.

Government equity share40% ($300,000)
Your loan from lender$412,500
LMI avoided (est.)$12,000

Illustrative. 10,000 places/year, capped. Income caps: $103,000 (single) / $165,000 (joint & single parents) on FY2026 NOA. Apply via a participating lender — not directly to Housing Australia. Verify at firsthomebuyers.gov.au.

Official portal

firsthomebuyers.gov.au — Help to Buy Scheme ↗

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Help to Buy Australia — Shared-Equity Calculator & Eligibility Check