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    What is the Family Home Guarantee (FHG)?

    The Family Home Guarantee (FHG) is part of the Home Guarantee Scheme (HGS). The Family Home Guarantee is for eligible single parents and eligible single legal guardians of at least one dependent, such as aunts, uncles or grandparents. Applicants can include those who are not first home buyers.

    The purpose of the Family Home Guarantee is to support eligible single parents and eligible single legal guardians to buy a home. It does this by allowing Housing Australia to issue 5,000 guarantees each financial year to eligible single parents and eligible single legal guardians with a deposit of between 2 and 20% of the property value.

    People’s Choice is a participating lender offering the Family Home Guarantee. If you’re a single parent or single legal guardian interested in applying for the Family Home Guarantee, please register your interest below or speak with our Home Lending Specialists to discuss the options available to you.

    Who is eligible for the Family Home Guarantee (FHG)?

    An eligible single parent or eligible single legal guardian is not required to be a first home buyer but must not own separate property at the time of settling a loan under the Family Home Guarantee. The single parent or single legal guardian must meet the eligible lender's credit assessment criteria.

    To be eligible, home buyers applying for the Family Home Guarantee must:

    • Have a minimum 2% deposit
    • Be an Australian citizen or permanent resident
    • Be an eligible single parent or eligible single legal guardian of at least one dependent

    You can find more information about the Family Home Guarantee and eligibility criteria on the Housing Australia website.

    Property price caps

    Maximum purchase prices (property price caps set by Government legislation) are applicable for eligible properties purchased under the Home Guarantee Scheme (HGS). The property price caps are the same for all HGS Guarantees. Visit the Housing Australia website to use the Property Price Cap Tool – a postcode search tool to help home buyers determine the property price caps for the suburb they are purchasing in.
    Visit the Housing Australia website
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      ^Privacy Notice: People’s Choice Credit Union is collecting the above information so that we may respond to your enquiry and provide information in relation to products and services we provide. We will only use this information, unless you are already a member or subsequently decide to obtain a service or product from us,  to respond to your enquiry and to contact you from time to time to provide you with information about services and products which may be of interest to you (including products and services of third parties). We may not be able to contact you if you do not provide to us this information. You can opt out of receiving direct marketing from us at any time. We disclose your personal information to relevant members of our staff. We may also disclose your personal information to agents, contractors, government agencies and bodies  who assist us in our dealings with you. Our Privacy Policy (which you can obtain at this link, in branch or by contacting us on 13 11 82 and asking for a copy) contains more information on how you can access and correct your personal information, how we use your personal information (including how to opt out of marketing), how to complain if you believe we’ve breached our privacy obligations, and how we deal with complaints. It also provides more detail on how we manage and protect your personal information if you are interested. People's Choice address is 50 Flinders St, Adelaide, 5000.

      ^Privacy Notice:

      People’s Choice Credit Union is collecting the above information so that we may respond to your enquiry and provide information in relation to products and services we provide. We will only use this information, unless you are already a member or subsequently decide to obtain a service or product from us,  to respond to your enquiry and to contact you from time to time to provide you with information about services and products which may be of interest to you (including products and services of third parties). We may not be able to contact you if you do not provide to us this information. You can opt out of receiving direct marketing from us at any time. We disclose your personal information to relevant members of our staff. We may also disclose your personal information to agents, contractors, government agencies and bodies  who assist us in our dealings with you. Our Privacy Policy (which you can obtain at this link, in branch or by contacting us on 13 11 82 and asking for a copy) contains more information on how you can access and correct your personal information, how we use your personal information (including how to opt out of marketing), how to complain if you believe we’ve breached our privacy obligations, and how we deal with complaints. It also provides more detail on how we manage and protect your personal information if you are interested. People's Choice address is 50 Flinders St, Adelaide, 5000.