We’re excited to announce a brand-new feature you’ve been asking for — the First Home Guarantee Scheme toggle, available from October 1st. This release aligns perfectly with recent changes to the scheme, making it easier than ever to find eligible products.
What’s Changed in the Scheme?
As of October 1st:
✅ No income cap
✅ No cap on the number of places available
✅ Higher property price caps
With more Australians able to access the scheme, this toggle will help you quickly identify lenders and products that support it.
How the Toggle Works
The First Home Guarantee toggle works just like our Special Buffer Toggle:
With one click, you’ll see all participating lenders grouped at the top of your search results.
A clear tick indicator shows which lenders are in the scheme.
Rates will display at 80% LVR across the board, regardless of product, property price, purpose, or structure.
⚠️ Important: The toggle does not include advanced logic. You’ll still need to double-check:
The property price cap for your state
That the product is available under the scheme
That the structure fits your borrower’s needs
What You’ll See in Results
Participating lenders display first, showing 80% rates (usually starting with a “5”).
Non-participating lenders display lower down with 95%+ rates.
Rates remain locked at 80% when toggled on — even if you adjust LVR.
Exports & Calculator Integration
When you run an export by state, the toggle logic flows into the lender calculators as well. This means:
80% rates apply automatically where the scheme is selected.
You’ll continue to see the same 100% accuracy you rely on from us.
Surplus cash and times cover results remain consistent, reflecting the scheme rules.
As always, if you have questions, reach out through the chat function below — we’re here to help.
