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Rent-to-Own Guides

Plain-English guides to how Rent-to-Own works in Australia: the steps, what it costs, who it suits and what to check before you commit.

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Rent-to-Own lets you move into a home now with 0% upfront deposit, build your deposit through weekly contributions while you live there, and switch to a mortgage when you're ready. Most homebuyers buy in year 6, 7 or 8.

These guides cover the contracts, how the price and your deposit are set, what it costs next to a bank deposit or a government scheme, and what to check before you commit. Each one is written and reviewed by our team before it is published.

  1. A young couple holding a house key outside a suburban Queensland home with a frangipani tree

    Guide · 11 Oct 2026

    Rent-to-Buy Schemes in Australia: Government vs Private

    Compare Australia's rent-to-buy options, from South Australia's government scheme for private renters to private programs and deposit schemes. Here's who qualifies, what each costs and the risks to check before you sign.

  2. A couple standing at the front door of their new home in suburban Queensland, keys in hand

    Guide · 27 Sept 2026

    How to Buy a Home With No Deposit in Australia

    Here are the realistic ways to buy a home in Australia with no deposit or a low one, and what each really costs upfront.

  3. A family relaxing together on the sofa in the living room of their home

    Guide · 27 Sept 2026

    How Rent-to-Own Works in Australia

    Rent-to-own (also called rent-to-buy) lets you move into a home now and buy it later with a deposit you build while you live there. Here's how PublicSquare's program works in QLD and NSW, step by step.