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First Home Buyer? No Savings? No Problem!

At Home Kickstarter, we help everyday Australians turn their dream of home ownership into reality. With our proven 5% deposit savings plans, we can help you save smarter, access government grants and builder bonuses, and purchase your first home sooner than you thought possible.

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How It Works

Saving Structure

Flexible payment plans tailored to your budget

Who we are?

We’re passionate about helping first-time homebuyers achieve their dreams of homeownership. Our team of financial experts and industry professionals understand the challenges you face.

Why Home Kickstarter?

For many first-home buyers in Melbourne and across Victoria, the biggest barrier isn’t desire, it’s saving the deposit. Rising house prices, higher interest rates and everyday living costs make it harder than ever to get ahead.

That’s where we come in. Home Kickstarter is designed exclusively for first-home buyers. We’ve created a complete system that combines:

Structured Savings Plan

Simple, automated weekly deposits from $200.

Government grants & incentives

Including the First Home Owner’s Grant (FHOG), Federal Home Guarantee Scheme and stamp duty concessions (subject to eligibility).

Builder bonuses

Up to $10,000 in additional support.

Supportive lending partners

Low-deposit home loans with a 5% deposit.

House & land packages

Affordable, fixed price ‘Turnkey’ house and land packages with trusted builders.

Together, that’s a clear pathway from renting → qualifying → saving → moving into your first home.

How the 5% Deposit System Works

From as little as $200 per week, you can be on your way to owning a home.

Step 1

Save Smarter

Join our guided savings plan and save your first $10K with automated weekly contributions.

Step 2

Boost Your Deposit

Additional incentives: $10K FHOG + $10K Builder Bonus = $20K towards your first home.

Step 3

Secure Your Home

We find you a House & Land Package and connect you with lenders who support first-home buyers.

From as little as $200 per week you can be on your way to owning a home.

Real Stories, Real Results

“We never thought owning a home in Melbourne was possible with the cost of rent and bills. Home Kickstarter gave us a savings plan, unlocked grants we didn’t know about, and got us into our first home with just a 5% deposit.”

Matt & Kirralee, First-home buyers

FAQ

Answers to common questions about eligibility, saving your deposit and the next steps towards buying your first home.

What is Home Kickstarter?
Home Kickstarter helps first-home buyers work towards owning a home through a Personalised Savings Plan and access to house and land packages and home loans . We help you understand the steps involved and the options available for your circumstances.
The program is for individuals and couples looking to buy their first home. Eligibility depends on your personal and financial circumstances. Complete our online Eligibility Form so we can assess whether the program could suit you.
No. Home Kickstarter is an independently owned consultancy that works with builders, mortgage brokers, lenders and a registered law firm. Each partner provides its specialist services, including home construction, finance assessment and legal support.
No. You can complete an eligibility check before you have saved a deposit. Our program is designed to help eligible first-home buyers build their savings through a structured plan. Your starting point will depend on your income, existing commitments and ability to save.
Our Eligibility Form asks about your household income, loans, credit card limits, credit history, dependants and residency status. We use this information for an initial assessment of whether the program could suit your circumstances.
Yes, you can complete the Eligibility Form and include these commitments. We consider the information as part of your overall circumstances. Completing the form does not guarantee eligibility, and any home loan will require a separate lender assessment.
You can contact us again if your circumstances change. Changes to your income, savings or financial commitments may affect your eligibility. Let our team know when you would like your circumstances reassessed.
We review your information and, if you meet the initial eligibility criteria, contact you to arrange a 30-minute appointment. This gives you time to understand the program, what is required and the next steps before deciding whether to proceed.
We explain how the program works, discuss what would be required of you and answer your questions. You can choose a phone call, video call or face-to-face appointment when our team contacts you to arrange a time.

Have a general overview of your income, regular expenses, existing debts and savings, along with any questions you would like answered. It also helps to think about where you would like to live and when you hope to buy.

A Personalised Savings Plan sets out regular contributions towards your home deposit. It gives you a savings target and a structure to follow, based on your budget and home-buying goals. Contributions are made weekly or fortnightly under your agreed plan.

Savings plans are available from $200 per week. Your contribution and savings target will depend on your budget, the deposit required and your circumstances. We discuss these with you when developing your Personalised Savings Plan.

Your savings plan is managed by our partner, Cobalt Law, which opens an account for you with a major bank. You deposit your agreed weekly or fortnightly savings contributions into that account.

The timeframe depends on your starting savings, regular contributions and deposit target. Your eligibility for grants or builder incentives can also affect the amount you need to save. There is no single timeframe that applies to every buyer.

Contact our team if your income, expenses, employment or family circumstances change. Your savings plan and eligibility may need to be reviewed. If you are concerned about meeting an upcoming contribution, speak with us to discuss your situation.

Eligible buyers may be able to access a home loan with a deposit as low as 5%. This depends on the lender, the property and any applicable scheme requirements. Your mortgage broker or lender will assess which options are available to you.

We help you understand the first-home buyer grants, government schemes and builder incentives that may be available to you. Eligibility and available support depend on your circumstances, the property you choose and the conditions of each scheme or offer.

The program focuses on new house and land packages through our builder partners. We discuss available options with you based on your budget and preferred location. Packages and locations are subject to availability.

No. Program eligibility is an initial assessment based on the information you provide. A lender must separately assess your finances, ability to repay and the property before approving a home loan. Participation in the program does not guarantee finance approval.

Home Kickstarter treats your personal information as confidential. Information may be shared with our trusted program partners. If you would like to understand what is shared, who receives it or how it is used, contact our team.

Complete our eligibility form to get started. If you qualify, our team will contact you to arrange a 30-minute appointment to explain the program and answer your questions.

Check Eligibility

Find out if you qualify today and discover how Home Kickstarter can help you own your first home with as little as a 5% deposit.

The great Australian dream of home ownership is still alive — you just need the right plan to get there.

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info@homekickstarter.com.au
03 8577 5633
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