Home Loan Single Mum Buyer Australia | Family Home

Q: What is the Family Home Guarantee?

2% deposit, no LMI for eligible single parents. Income/property caps apply.

Q: Will banks accept FTB and child support as income?

Some lenders accept FTB 100%; others discount. Child support 80-100% with arrangement.

Q: How much can I borrow on my single income?

$80K + FTB/CS + 5% via Family Home Guarantee: $400K-$550K typical.

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

Often no — establishing independence valuable. Lenders work with separation evidence.

Q: Are halal home loans available with Family Home Guarantee?

Depends on Islamic provider participation in scheme. We confirm.

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.

Single mums with at least one dependent child
Recently separated mothers establishing independence
Returning to work after primary caregiving
Bangladeshi or multicultural single mothers needing language support

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

Free single mum chat

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

Confirm scheme eligibility

We confirm Family Home Guarantee and other scheme eligibility.

Compare lender options

We identify lenders flexible with single-parent applications.

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

Get your personalised answer in 2 minutes

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

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