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Regional home loans in Australia benefit from the Regional First Home Buyer Guarantee (5% deposit, no LMI). Postcode restrictions apply for remote, rural, and single-industry towns. A local broker is recommended.
Yes — and there is also a specific Regional First Home Buyer Guarantee with the same 5% deposit, no LMI terms. The RFHBG has separate place allocations and is reserved for regional areas.
In towns with populations under 5,000, some lenders will restrict their LVR or not lend at all. Use a mortgage broker with regional experience to identify which lenders accept the specific postcode.
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