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0411 229 602


Welcome to the Perth Mortgage Broker Group Website. We are available 7 days a
week on 0411 229 602

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First Home Buyers

We can help with your first home, from finding a suitable home loan, and applying
for the first home buyers grant.

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Investment Home Loans

With a wide variety of investment home loans we can give many options if you are
thinking about purchasing or refinancing an investment property.
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We have a range of home loan
options, including low deposit and
no deposit ( with a guarantor) home loans.


If you are thinking of building a new
home we have many construction
home loan options available.


Our obligation free online
home loan health check may
help you save money!

Family Home Guarantee Scheme

The family home guarantee scheme is a federal government backed scheme, where the government will guarantee your home loan, and you may not pay a mortgage insurance fee if you are an eligible single parent.
The family home guarantee scheme means an eligible home buyer maybe able to borrow up to 98% of the property value, and not pay a mortgage insurance fee, as the federal government will guarantee the home loan for the bank. The family home guarantee scheme is administered by the National Housing Finance and Investment Corporation (NHFIC).
If you are an eligible single parent the family home guarantee means you maybe able to purchase your home with a 2% deposit, plus fees like transfer stamp duty, and not pay a mortgage insurance fee.
Family Home Guarantee applicants can be either first home buyers or previous owners who do not currently own a home.
There are 5,000 family home guarantee places available across Australia in the 2024/2025 financial year. The scheme is available for both buying an existing home or if you would like to build your first home ( depending on the banks eligibility). Please note their are conditions to the family home guarantee scheme, so please contact your mortgage broker, before you enter into any property transactions, to check your eligibility.
Please note too, if you are eligible for the Family Home Guarantee scheme, and are a first home buyer, you may still be eligible for the first home owners grant in Western Australia too, so it is worth checking with your mortgage broker, to see what you might be eligible for, before making any decisions.
Some of the conditions of the Family Home Guarantee -
  • You must be an Australian Citizen or a permanent resident of Australia ( Permanent resident has the same meaning as in the Australian Citizenship Act 2007 (Cth),) 
  • Your income must be no more than $125,000 per annum as an individual, as shown on your latest notice of assessment (issued by the Australia Taxation Office)
  • The property you buy must be owner occupied ( You must live in the property)
  • be single. A person is considered single if they don’t have a spouse and/or a de facto partner. Note: a person who is separated but not divorced is not considered single.  
  • have at least one dependent child. To have a dependent child, you must be the natural or adoptive parent of the child and the child must either be 
  • a “dependent child” within the meaning of subsections (2), (3), (4), (5), (6) and (7) of section 5 of the Social Security Act 1991 or 
  • at least 16 but under 22 years of age, receive a disability support pension within the meaning of the Social Security Act 1991 and live with you.
  • To be eligible, you must not currently have:
  • a freehold interest in real property in Australia 
  • a lease of land in Australia 
  • a company title interest in land in Australia 

There are maximum purchases prices based on location in Western Australia, they are -

1/ In a capital city (Perth) - $600,000
2/ In other parts of the state in Western Australia - $450,000

Not all banks or lenders are participating in the Family Home Guarantee scheme, so if you have any questions contact your mortgage broker to find which lenders or banks are participating in the scheme.

There are 5,000 places available across Australia from 1/7/2024 to the 30/06/2025 ( the financial year), so places maybe limited and once the allocations are exhausted, the scheme may not be available.

If you would like some more information about the Family Home Guarantee Scheme, please contact Perth Mortgage Broker Group , or call Troy on 0411 229 602, 7 days a week
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We do not charge any brokerage fees on all of our residential home loans. Our service is complimentary to you.
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Compare Home Loans

You could save money, by using our online home loan comparison form and comparing your mortgage.


As part of our service, we are offering free Perth property reports on as many properties as you like.
Perth Mortgage Broker Group
We are open 7 days a week.
Please contact us anytime.
0411 229 602