What changed
From 1 October 2025 the Home Guarantee Scheme has no income limits and no cap on places, so any first home buyer with a 5% deposit can apply and skip lenders mortgage insurance, and the government expects around $1.5 billion in insurance costs avoided in the first year. Owner occupier first home buyers took out 29,319 loans worth $18.4 billion in the June quarter of 2026 on the ABS lending indicators, with the value up 10.0% on a year earlier.
The rent-vesting enquiry
A growing share of first home buyers do not plan to live in the property. Westpac's Home Ownership Report found 54% of first home buyers considering rent-vesting, and 61% in New South Wales, in a survey of 2,000 people. A campaign form that assumes owner occupation misreads those enquiries. Ours asks.
What the form asks
A first home buyer needs more explaining than a refinancer, so the form does more of the work up front.
- Deposit saved and where it comes from: savings, gift, guarantor
- Whether they expect to use the scheme or a state grant
- Live in it, or rent it out
- Rough budget, target areas, and employment type
- Timing in their own words, plus the consent record
The finance screen matters most here
No equity, a short credit history and a rough idea of borrowing power is the profile the PrimeProof screen was built for. Of high income property enquirers we measured, 51.8% fail on finance; fewer than 5% of leads cleared by the screen do. A lender still decides. The rest of the process, from the form to the weekly loop, is the same as for a refinance campaign.
Pricing
A fixed cost per verified lead agreed before the campaign runs, no retainer, no lock in. Every record is exclusive to you and delivered live into your CRM. Invalid leads are reviewed within five business days and replaced or credited when confirmed.