澳大利亚联邦政府的Help to Buy共享权益计划自2025年12月推出至6月底，已批准约4800户首次置业者1。其中，墨尔本地区占批准总数的近三分之一，而全国前十热门地区中没有悉尼上榜1。
参与该计划的首次置业者平均贷款金额为42.5万澳元，首付3.1万澳元1。申请者中51%年龄在35岁以下，56%为单独申请人1。各主要城市设有不同的最高购买价格限制，其中悉尼为130万澳元，墨尔本95万澳元，布里斯班100万澳元，珀斯85万澳元1。墨尔本房屋中位价为78.7万澳元，为澳洲首都城市中第三低1。
金融机构方面，Bank Australia已结算约1000笔贷款，其中约一半来自经纪人1。四家互助银行从7月加入该计划，并将从10月6日起引入经纪渠道1。
Australia's Help to Buy shared equity program, launched by the federal government in December 2024, had approved approximately 4,800 participants by the end of June 2025.1 Melbourne dominated the scheme's uptake, accounting for nearly one-third of all approvals nationally, while no Sydney suburbs appeared among the top ten most popular locations.1
The typical participant borrowed $425,000 and contributed an average deposit of $31,000.1 Just over half of applicants were aged 35 or under, with 56 percent applying as sole purchasers.1 Purchase price caps varied by city: Sydney capped at $1.3 million, Melbourne at $950,000, Brisbane at $1 million, and Perth at $850,000.1 Melbourne's median house price of $787,000 ranked as the third-lowest among Australia's capital cities.1
Bank Australia has settled approximately 1,000 loans under the scheme, with roughly half sourced through mortgage brokers.1 Four mutual banks joined the program in July and will introduce broker channels from October 6.1
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