Episode 26: Unlocking the Federal Government Help to Buy Shared Equity Scheme

The Federal Government’s new Help to Buy shared equity scheme has officially opened, and for some first home buyers it could help bridge the gap between borrowing capacity and the cost of a quality home. But shared equity also comes with rules, restrictions, and long-term trade-offs that need to be understood upfront.

In this episode, Jack Elliott and Chris Bates break down how the Help to Buy scheme actually works, what it’s like living with shared equity day to day, and how buyers can eventually exit the scheme and regain full ownership. We also share our honest thoughts on when shared equity can make sense and when other pathways may be a better fit.

In this episode:
🔑 What shared equity is and how the Help to Buy scheme works
🔑 Who the scheme is designed for and how eligibility works
🔑 What it’s really like living in a shared equity arrangement
🔑 How and when you can exit the scheme and buy back full ownership
🔑 The key trade-offs to consider before choosing shared equity