The essentials line
A new home, built well, within reach.
The same builder, the same care — designed around what a new build can unlock for first-home buyers in Sydney.
Enquire about an essentials buildBuyer support programs
A new build can unlock support an established home can’t.
Australian Government
A deposit from 5%
5% first, everything else second. Word for word, here's how the scheme reads.
The Australian Government 5% Deposit Scheme (formerly the Home Guarantee Scheme) lets eligible buyers purchase with a deposit from 5% without paying Lenders Mortgage Insurance (per Housing Australia, current at July 2026).
Since October 2025 the scheme has no place limits or income caps, is open to permanent residents, and covers buyers who haven’t owned Australian property in the last ten years — per Housing Australia, current at July 2026.
Eligible single parents and legal guardians may qualify from a 2% deposit under the Family Home Guarantee (per Housing Australia, current at July 2026). Property price caps apply by region.
Deposits take 7.7 years to save in Sydney. Tell us where you're at.
Housing Australia — program details ↗Official eligibility tool ↗
New South Wales
Duty exemption on purchases up to $800,000, and $10,000 toward a brand-new home
Two figures belong in your spreadsheet before anything else. Both from Revenue NSW, both for first-home buyers.
The First Home Buyers Assistance Scheme gives eligible first-home buyers a transfer (stamp) duty exemption on purchases up to $800,000, with concessional rates to $1,000,000 — per Revenue NSW, current at July 2026.
The First Home Owner (New Homes) Grant offers $10,000 toward an eligible brand-new home that has never been lived in — including newly built and off-the-plan — per Revenue NSW, current at July 2026.
For eligible buyers of new builds, the two may be combined.
You've read the eligibility pages; so have we. Update the spreadsheet, then tell us where you're at.
Revenue NSW — assistance scheme ↗Revenue NSW — grants and schemes ↗
Summerland builds houses; we don’t give financial advice. Eligibility is always yours to confirm with the official bodies above — we’ll build the home that makes the most of what you qualify for.
Inclusions
Written down, as standard
NSW first-home buyer loans average ~$580–600K. A number that size deserves an inclusions list written down.
Kitchen, bathrooms, flooring and finishes are specified up front. Settled before you sign, not upsold after.
Same trades, same supervision as our premium builds. Ask for the list and check it yourself.
Price certainty
One number, fixed before you sign
A fixed-price build contract, inclusions written down before you commit. The figure you sign is the figure.
Clear stages, clear payments. When a deposit takes 7.7 years to save, your spreadsheet deserves a number that sits still.
From our premium portfolio
The same trades and the same supervision stand behind every Summerland build — essentials included.
Enquire
Ready when you are
Deposits take 7.7 years to save in Sydney. The next step is a conversation, at your pace.
Got land in Austral? Settling a block in Marsden Park? Still running the spreadsheet in Schofields?
Tell us where you're at and we'll walk you through an essentials build, from your block up.