Department of the Treasury

Home Guarantee Scheme

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Treasury analysis of Home Guarantee Scheme expansion options (document type: policy brief). The current scheme provides 50,000 annual places with income caps of $125,000 (individuals) and $200,000 (joint applicants), targeting properties below median dwelling prices. The document discusses expected uptake under an expanded scheme, contextualizing against historical first home buyer numbers averaging 100,000–110,000 annually over the past two decades, excluding spike years (2009, 2021). Substantial portions were withheld under cabinet-in-confidence provisions, preventing full assessment of policy recommendations or cost modelling conclusions.

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