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    What is the Regional First Home Buyer Guarantee (RFHBG)?

    The Regional First Home Buyer Guarantee (RFHBG) is part of the Home Guarantee Scheme (HGS). The purpose of the Regional First Home Buyer Guarantee is to help eligible regional home buyers to buy a home sooner, in a regional area.

    It does this by allowing Housing Australia to issue 10,000 guarantees each financial year for eligible loans to regional home buyers with a deposit of between 5 and 20% of the property value.

    People’s Choice is a participating lender offering the Regional First Home Buyer Guarantee. If you’re interested in applying for the RFHBG, please register your interest below or speak with our Home Loan Specialists to discuss the options available to you.

    Who is eligible for the Regional First Home Buyer Guarantee (RFHBG)?

    To be eligible, home buyers applying for the Regional First Home Buyer Guarantee must:

    • Be Australian citizens or permanent residents
    • Be applying as individual or joint applicants, which may include partners, friends, siblings, and other family members
    • Have a minimum 5% deposit
    • Have lived (or at least one applicant if applying as joint applicants) in the regional area or adjacent regional area you are purchasing in for the preceding 12-month period to the date you execute the home loan agreement. Employees who have been required to relocate for work may be exempt from this requirement and should check with their Participating Lender if this applies.

    All other Home Guarantee Scheme eligibility criteria apply to all applicants. 

    You can find more information about the Regional First Home Buyer Guarantee and eligibility criteria on the Housing Australia website.

    What is a regional area?

    A regional area is defined as:

    • The Statistical Area Level 4 (ASGS SA4 2016) areas in a State or the Northern Territory that are not a capital city of that State or Territory; and
    • Norfolk Island; or the Territories of Jervis Bay, Christmas Island or Cocos (Keeling) Islands;

    as defined in the version published by The Australian Bureau of Statistics (ABS) in July 2016.

    The greater capital city areas of each state and the Northern Territory; and the entire Australian Capital Territory are excluded from the Regional First Home Buyer Guarantee. Home buyers in these areas may be eligible for the First Home Guarantee or the Family Home Guarantee.

    The Regional Checker allows home buyers to enter the suburb (or postcode) of their current home and the suburb (or postcode) they would like to purchase in, so they can confirm if they are eligible for the Regional First Home Buyer Guarantee. The Regional Checker is available on the  on the Housing Australia website.

    Property price caps

    Maximum purchase prices (property price caps set by Government legislation) are applicable for eligible properties purchased under the Home Guarantee Scheme (HGS). The property price caps are the same for all HGS Guarantees. The price caps for the Regional First Home Buyer Guarantee are listed on the Housing Australia website. Visit the Housing Australia website to use the Property Price Cap Tool – a postcode search tool to help home buyers determine the property price caps for the suburb they are purchasing in.
    Visit the Housing Australia website
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