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  2. Shared equity buyback

When could I buy back the shared-equity stake, and how much cash might I need?

See the cost and LVR gap for buying back a co-owner’s share.

These are example figures

Change any of them and the answer updates straight away.

Your home and mortgage

Start with the figures that change what you might need to pay.

Match the government share for a full buyback
0 means today
Your refinance goal, not a lender limit

Scheme details

Check the scheme and the figures you can confirm.

Reference rules need confirmation

Property type

Sets duty on mortgage insurance

Leave blank if unknown
Leave blank if unknown
Leave blank if unknown
Leave blank until the current limit is confirmed

Mortgage

Adjust the rate, term and offset to match your loan.

Growth

Set the property growth and projection length.

Negative growth is possible

Extra cash to buy back today

$7,500

Your answer

Extra cash to buy back today

$7,500

At your 80% target LVR; lender serviceability is not assessed

To buy back 25% today, you would need $7,500 in cash alongside a $600,000 loan.

Buyback payment
$187,500
25% of the projected home value
Loan at your target
$600,000
Your chosen 80% target, not a scheme rule
First year within your target
Year 1
LVR check only

Loan needed and your target loan amount

Loan needed for buybackLoan at your target LVR
These annual figures compare debt needed for the buyback with your chosen LVR. They do not assess lender approval.

Buyback estimate today

Home value
$750,000
Mortgage balance
$420,000
Government share
$187,500
Cost to buy back 25%
$187,500
Loan if all debt-funded
$607,500
Loan at your 80% target
$600,000
Extra cash for buyback
$7,500
Lenders mortgage insurance
$0
State duty on insurance
$0
Insurance and duty
$0

Before you act

Lender assessmentIncome, expenses and credit policy are outside this estimate
Not assessed
Duty on the buybackConfirm treatment for your scheme and state
Not assessed
Price capAdd a verified cap for your scheme and location to check eligibility
Not assessed
Remaining government share
0%

  • Scheme share maxima and minimum buybacks

    Help to Buy 30/40%, Keystart 35%, HomeStart 25%, MyHome 30/40%, VIC 25%, NSW 30/40%; minimum 5 percentage points except HomeStart $10,000; VIC also $10,000

    To confirm

  • Help to Buy income caps

    $100,000 single / $160,000 joint, two consecutive years at review in reference; other schemes unspecified

    To confirm

  • Property price caps

    No value in reference; must be supplied from verified scheme and location policy

    To confirm

  • Mandatory buyback triggers

    Help to Buy: two over-cap years; VIC: two over-cap years or $10,000+ windfall; MyHome: repay within 30 years

    To confirm

  • Refinance restrictions

    Help to Buy panel lender; Keystart fixed cannot buy back; MyHome exit required to change lender; VIC first two years require approval

    To confirm

  • HomeStart refinance valuation floor

    Reference says no loss participation on refinance, but gives no original valuation in its inputs

    To confirm

  • Buyback transfer duty

    Unassessed pending transaction-specific advice; original purchase duty uses IKIT brackets

    To confirm

  • Loan balance and annual repayments

    ARI residential loan schedule; constant rate and opening-year offset

    Same as A.R.I.

  • Indicative LMI

    ARI rate Ă— loan at target LVR; state LMI stamp duty from ARI states.json added separately

    Same as A.R.I.

  • Scheme and lender LVR limit

    User target only; actual scheme/lender maximum and LMI treatment unverified

    To confirm

  • Property growth

    Annual compound growth, rounded each year to whole dollars as ARI does

    Same as A.R.I.

Anyone with the link sees these figures. No account needed.

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Keep this plan working for you

Your result stays on screen either way. An account adds the parts that follow you.

  • Save your scenarios

    Save this buyback plan and compare years as your figures change.

  • Start from your Portfolio

    Fills in observed property value, purchase price, loan details and state from your Portfolio.

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