Introducing PublicSquare Plus
homebuyers

🎉 Deposit Stacker by PublicSquare!

Get up to $60,000 to put towards your new home, including a $25,000 gift from PublicSquare, PLUS all eligible government grants, which we arrange on your behalf— Nothing to repay!
Author
PublicSquare Team
Last updated: May 05, 2024
⏱️ 2-min read
Updated:‏‏‎ ‎
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Free to apply.
No credit impact.

Selected rent-to-buy home customers enjoying their homes.

Another way we're making it easier...

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Find your dream home
We have 100s of beautiful new homes & communities to choose from!
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Get up to $60,000 of support
Including $25,000 from PublicSquare PLUS eligible government grants — It all stacks up!
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Supporting you at every step
We'll guide you through every stage of the process. It all starts with getting pre-approved!
*T&Cs apply. Not for use with other offers.
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How much savings do you need?

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Frequently asked questions

Where do the funds come from?

When you buy a home through PublicSquare, we'll provide you with gifts and bonuses of up to $25,000, with no repayment required. Our team are experts at navigating the many government grants, programs, and lending schemes available to you. We’ll identify those you're eligible for, such as $30,000 in QLD, $15,000 in SA, or $10,000 in other states, and guide you through the process. In addition, some of our building and lending partners also offer their own gifts, which you can combine with what we and the government provide. When you "stack" it all up, PublicSquare's Deposit Stacker program helps you receive up to $60,000 in total funding, significantly reducing your savings requirements.

Am I paying more for the home?

No you are not paying more for the home.  We do not inflate the home prices to cover the gifts you receive. The home prices are set by the builders, which means they are the same prices you would expect to get if you were buying the home direct. Our Deposit Stacker option is just another way we're making it easier to buy your own home.

What is the eligibility criteria?

Deposit Stacker is open to everyone — from first and second-time homeowners to international buyers (no Australian citizenship required). However, unlike our renting-to-own, you will need to purchase the property upfront, using a mortgage. This means that to satisfy most lender requirements, you should have full-time employment and at least 5% of genuine savings. However, some lenders will accept past rental statements for proof of genuine savings. Additionally, since government grants only apply to first-time homeowners, non first-time homeowners will receive less support overall. However, they can still achieve a great outcome.

Do you offer properties in my area?

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We work with Australia's best-loved and most affordable builders. At any given time, we usually have packages available from more than 20 different builders with properties located throughout Queensland, New South Wales, Victoria, South Australia and Western Australia, including regional areas. Search our new homes and filter the results for 'Deposit Stacker'.

Can you help me get a mortgage?

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You can use any broker or lender of your choice to secure a mortgage for your property. However, If you'd like a referral, we highly recommend our Connective brokerage partners who specialize in securing mortgages for brand new homes. The Connective Brokers can help you secure a mortgage from a major bank, or non-bank, lender. They also work seamlessly with PublicSquare ensuring that your lender accepts our contributions to use towards your deposit.

How do I get started?

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The first step is getting pre-approved, which is quick and easy, and will not affect your credit score. If you are a homebuyer with sufficient savings to pursue a mortgage, we will reach out to you after you've been pre-approved to help you determine your options. We will also ask you whether you'd like a referral to a broker as part of the process.

What homebuyers are saying...

Free to apply.
No credit impact.

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Terms, fees, conditions, and wait times may apply. Government grants and schemes are subject to change, availability and eligibility. PublicSquare® is a registered trademark 2315715 of PublicSquare Technology Pty Ltd in Australia. PublicSquare, or "us" or "we", may denote PublicSquare Technology Pty Ltd or its affiliated property vendors and/or owners. PublicSquare, the company, holds Queensland real estate licence no. 4555627. PublicSquare, the company, acts on behalf of property owners and vendors, usually under marketing agreements. PublicSquare adheres to all national, state, and territory laws and regulations and does not currently facilitate 'rent-to-own' or 'rent-to-buy' style arrangements for real estate outside of Queensland or New South Wales. Property images may be artist's impressions or digitally enhanced for visual clarity and should not be considered an exact representation; For more accurate representations, please refer to builder specifications or in-person inspections. Words such as 'Guaranteed', 'Fixed Under Contract', or similar such expressions are subject to, and pertain only to, terms set via legally binding agreements. All dollar figures associated with property listings are estimates used for informational purposes only, and subject to binding agreements. All offers and terms are are used for informational purposes only, and are subject to binding agreements and availability of counterparties. PublicSquare is a real estate company, not a lender or financial advisor, and does not guarantee mortgage obtainment. PublicSquare may refer Homebuyers and Investors to Licensed Mortgage Brokers but does not provide brokerage or lending services directly.  'Rent-to-own customers do not own properties until switching to a mortgage and completing their purchase, which may incur LMI and stamp duty. 'Renting-to-own', 'Renting-to-sell', and buying real estate in general, carries financial risks. Please seek independent financial and legal advice before making decisions about housing and investment; Neither the content on this website, nor any communications with PublicSquare or it representatives, should be used as the sole basis for decision-making about housing and investments. For more information, please refer to the disclosure statement or contact us.