First Home Guarantee — Buy With 5% Deposit and No LMI (2026 Guide)

The First Home Guarantee allows eligible first home buyers to purchase with a 5% deposit without paying LMI, with the federal government guaranteeing up to 15% of the purchase price.

What is the First Home Guarantee?

The First Home Guarantee (FHBG) is a federal government scheme that allows eligible first home buyers to purchase with just a 5% deposit, with the government guaranteeing up to 15% of the loan — eliminating LMI.