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

Timestamps

00:00 - Introduction to the Help to Buy Scheme

01:59 - What Shared Equity Actually Means

04:13 - How the Help to Buy Scheme Works and Who It’s For

09:40 - What It’s Like Living with the Help to Buy Scheme

14:56 - How to Exit the Scheme and Regain Full Ownership

20:54 - Our Thoughts on Shared Equity and Help to Buy

Unlock your Free Resources

Unlocking Help to Buy Scheme Resource

Help to Buy Scheme

Property Price Cap Tool

Help to Buy Scheme Fact Sheet

Help to Buy Scheme Customer Guide

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