Our Partners
About Home Kickstarter
At Home Kickstarter, we know that the dream of home ownership feels out of reach for many Australians. Rising house prices, higher living costs, and strict bank lending rules make saving a deposit harder than ever. We created Home Kickstarter to change that.
Our origins are simple: we wanted to give first-home buyers a fair shot at owning a home. That meant creating a savings plan that works in today’s economy, building strong partnerships with builders and lenders, and ensuring first-home buyers had access to every grant and incentive available.
Our Mission
To empower first-home buyers to achieve their dream of home ownership through structured savings plans, financial education and comprehensive support.
Why We Exist
In recent years, the average price of a new home has risen sharply, leaving thousands of Australians locked out of the property market. The general increase in the cost of living including rents, utilities, groceries, insurance and other living expenses has made saving a deposit for your first home even tougher. This has pushed the great Australian dream of home ownership out of reach for many people.
Home Kickstarter has created a program to help everyday Australians save a 5% deposit and buy their first new home.
How We Help
- Structured savings plans to help you save your deposit
- Access to a builder bonus of up to $10K
- How to utilise government grants
- Affordable house and land packages designed for first-home buyers
- Finance through supportive lenders who understand low-deposit loans
- Education and guidance every step of the way
Our Values
Empowerment
Giving first-home buyers the tools to succeed
Simplicity
Making the process clear and achievable
Support
Guiding first-home buyers from saving through to buying a new home
Opportunity
Helping Australians who thought home ownership was out of reach
Meet the team
Investments shaped by your spending, goals, and values.
Alex Smith
Founder
Mitch Johnson
Head of Finance
Steve Jobs
Customer Success lead
FAQ
Answers to common questions about eligibility, saving your deposit and the next steps towards buying your first home.
What is Home Kickstarter?
Who can join the Home Kickstarter program?
Is Home Kickstarter a builder, bank or lender?
Do I need to have a deposit saved before getting started?
How do you assess my eligibility?
Can I apply if I have a car loan, personal loan or credit card?
What if I am not eligible right now?
What happens after I complete the eligibility form?
What happens during the 30-minute appointment?
What should I prepare for my appointment?
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.
What is a Personalised Savings Plan?
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.
How much will I need to save each week?
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.
Where is my money held in the 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.
How long will it take to save my deposit?
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.
What happens if my circumstances change while I am saving?
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.
Can I buy my first home with a 5% deposit?
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.
Can Home Kickstarter help me access grants and builder incentives?
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.
What types of homes are available through the program?
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.
Does qualifying for Home Kickstarter mean my home loan is approved?
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.
How is my personal information handled?
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.
Find out whether Home Kickstarter is right for you
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.
Home Kickstarter is more than a program — it’s a pathway. It’s about building a future where first-home buyers are not left behind but given the opportunity to succeed.
Find out if you qualify today and see how Home Kickstarter can help you take the first step toward owning your first home.
