Why we're saying this
The Community Funding Program is a structured arrangement designed for households with at least $250,000 in combined long-term retirement savings (super), a household income of about $120,000 or more, full-time employment, and time on the clock before preservation age. Those aren't arbitrary — they're the conditions under which the loan and structure can plausibly work.
Based on the answers you just gave, it doesn't look like that's where you are today. We're flagging this up-front rather than spending Deb's time and yours on a call that probably wouldn't land somewhere useful.
Pathways that may be more relevant
Help to Buy
A federal shared-equity scheme where the government takes an equity stake (up to 30 – 40%) alongside your home loan, reducing the deposit and repayments you need to cover yourself.
Home Guarantee Scheme
Lets eligible buyers purchase with a 5% deposit (sometimes 2%) without paying Lenders Mortgage Insurance, because the government guarantees the rest. There are property price caps and income caps to check.
First Home Super Saver Scheme (FHSS)
Lets you put extra voluntary contributions into your super, then withdraw them (with earnings) to use as a first-home deposit. Useful if you've got time and want to save inside the lower-tax super environment.
Want a heads-up when something changes?
Leave us your details and we'll get in touch if your situation might shift the picture — for example, when super balances tend to cross the threshold, or if a new scheme makes sense for you.
We don't sell your details. We don't spam. If you'd rather hear nothing further from us, just don't leave your details — closing this page is a perfectly fine ending.