Boost to Buy overview

The Boost to Buy home ownership scheme provides an equity contribution to eligible participants who are buying their first home in Queensland.

The scheme’s goal is to support Queenslanders to access home ownership sooner by bridging the gap between what can be borrowed and the price of a home. This allows eligible participants buying in Queensland to purchase a home with a smaller deposit, so they can enter the property market sooner.

The equity contribution from the Queensland Government will also allow first home buyers to benefit from a smaller mortgage and lower repayments.

Boost to Buy is a shared equity scheme. This means the Queensland Government makes a financial contribution towards the purchase of your home in exchange for ongoing equity in the property.

Boost to Buy will be open to first home buyers who are:

• individuals with an annual income of up to $150,000
• two adults (with or without dependant/s) with a combined annual income of up to $225,000
• a single applicant with one or more dependants with an annual income of up to $225,000.

To be eligible, the property price must not exceed $1 million and first home buyers will need a minimum 2% deposit.

For successful applicants, the scheme will offer an equity contribution of up to 30% for new homes and up to 25% for existing homes.

To participate in Boost to Buy, you must select an approved lender.

Scheme availability

Up to 500 places are available from 15 December 2025 through the approved lender, which is currently Unity Bank.

Additional places are set to be released in early 2026.

Applications will be approved on a first-come, first-served basis.

In total, $330 million is allocated to Boost to Buy which is expected to support up to 2,000 first home buyers over the next 3 years.

Regional allocations

Regional Queensland and South East Queensland will each receive 50% of the total Boost to Buy places available.

For the purposes of Boost to Buy, South East Queensland incorporates the following areas:

• Brisbane
• Gold Coast
• Ipswich
• Logan-Beaudesert
• Moreton Bay
• Sunshine Coast.

All other areas are considered regional Queensland. Find out more about regional allocations.

You will be advised of availability in your region when you apply for the scheme.

Placements will be allocated based on the location of the new property, not the current address of the applicant.

Legitimate websites for the scheme

Beware of websites created by third parties about the Boost to Buy home ownership scheme.

Make sure you source information about the scheme from a legitimate Queensland Government website that includes qld.gov.au in its web address, or from approved lender websites including Unity Bank.

More information

• Read about the scheme’s eligibility and ongoing obligations and exit process.
• Check your eligibility.
• Learn how the scheme works.
• Find out how to apply.
• Read important information about the scheme, key considerations and risks for participants.

Disclaimer
This information provides a general overview of the Boost to Buy scheme and does not consider your individual financial situation or needs. Before making any decisions, assess whether the scheme suits your individual circumstances and seek advice tailored to your needs (such as financial, tax or legal) from a qualified professional.

Note: Scheme applications are subject to Scheme Provider approval. Loan applications to the approved lender are subject to credit approval, terms and conditions and fees.