Home Loan Single Mum Buyer Australia | Family Home | Mortgagefy
Speak to a Broker Now — 0432 634 648· Mon–Sat 9am–7pm
0432 634 648 Free Assessment

Home Loan for Single Mums in Australia: Family Home Guarantee 2% Deposit

By the Mortgagefy Team · Published 29 April 2026 · Last reviewed 29 April 2026

Single mum wanting to buy? The Family Home Guarantee may allow a 2% deposit without LMI for eligible single parents. Some lenders may accept Family Tax Benefit and child support as income, depending on their policy.

Start Your Free Assessment or call 0432 634 648

Free, no obligation. Conditions apply. Eligibility, lending criteria, fees and charges apply and vary by lender. General information only, not credit advice.

Who this guide is for

Single mothers (and single fathers) in Australia wanting to buy a home — typically with reduced household income and dependent children.

The local picture

Single income, child-related expenses, child support arrangements, and FTB income complications make single-parent home loans more complex. Most general brokers don't identify the schemes (like Family Home Guarantee) that significantly help.

How Mortgagefy helps locally

Mortgagefy works with single-mum buyers regularly. We confirm Family Home Guarantee eligibility, identify lenders that accept FTB income, and provide sensitive multilingual support.

Free advice.

How it works — 4 simple steps

1

Free single mum chat

20-minute discreet call about your situation and target home.

2

Confirm scheme eligibility

We confirm Family Home Guarantee and other scheme eligibility.

3

Compare lender options

We identify lenders flexible with single-parent applications.

4

Settle into your home

You move into your independent home with kids.

Frequently asked questions

What is the Family Home Guarantee?

Government scheme allowing eligible single parents with dependent children to buy with as little as 2% deposit and no LMI. Capped places per year, income/property caps apply.

Will banks accept FTB and child support as income?

Some lenders accept FTB at 100%; others discount or exclude. Child support received counts at 80-100% with formal arrangement evidence. Lender choice matters.

How much can I borrow on my single income?

Depends on salary, FTB, child support, deposit. For $80K salary + FTB + child support with 5% deposit (Family Home Guarantee), $400K-$550K typical borrowing.

I just separated. Should I wait until divorce is final?

Often no — establishing your own home post-separation is psychologically and financially valuable. With separation evidence, several lenders work with you.

Are halal home loans available with Family Home Guarantee?

Compatibility depends on Australian Islamic finance provider participation in the scheme. We confirm current eligibility.

Talk to a single mum home loan specialist

Discreet, sensitive 20-minute call.

Start Your Free Assessment Call 0432 634 648

Related guides

Mortgage Broker Lakemba Mortgage Broker Bankstown Islamic Finance Calculators Home

Get your personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Model your scenarios: Use our free home loan calculators to estimate borrowing capacity, repayments, and savings.