Australia’s new Help to Buy Scheme launches on 5 December 2025, offering eligible buyers a path into home ownership with a 2% deposit and up to 40% government contribution. This guide explains how shared equity works, who can qualify, the key risks most headlines miss, and how OwnerDeveloper helps you choose smarter sites and plan a long-term property strategy. If you’re considering using Help to Buy, here’s what you need to know before applying.