Shared Equity Refinance

Model buying the government out of a shared-equity home — whether a straight refinance works today, and the exact point your equity growth makes it possible without tipping in extra cash.

The scheme

Each scheme sets its own buy-out and refinance rules.

Shared-equity scheme

State (for LMI estimate)

Where you are today

Your current loan, the government's share, and your refinance target.

Current property value

Government's current share

Outstanding mortgage

Interest rate

Indicative assumption — not a quoted or advertised rate, or an offer of credit.

Term remaining

yrs

Target refinance LVR

Repayment type

Repayment frequency

I have an offset account (it pays the loan down faster and is savings you could put toward the buy-out)

What you want to do

Buy out the government entirely, or just a slice.

Buy-out goal

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Growth assumptions

The levers behind the projection — all editable.

Capital growth /yr

Projection horizon

Because the government's share is a percentage of your home's current value, it grows as the property does — so the dollar cost to buy them out rises over time, even as your loan pays down and your borrowing capacity (target LVR × value) climbs. The crossover is the first point a straight refinance covers both your loan and their share.

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Today's snapshot

Could you refinance the government out right now?

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When it becomes possible

Loan paydown + capital growth, year by year.

New loan required vs borrowing capacity

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Key moments & the cost of waiting

When the refinance works — and what the government's slice costs you.

Refinance milestones

The buy-out cheque

Scheme rules & timing

Operational guidelines for this scheme — confirm before acting.

The numbers, year by year

Value, debt, the government's share, and what you'd need to borrow.

Ready to buy the government out?

Leave your details and a specialist will check the live scheme rules, your borrowing capacity, and the smartest time to refinance.

ⓘIndicative estimates using the figures and assumptions entered. Not a credit assessment, eligibility determination, or financial advice — your broker remains the licensed credit specialist. This is general information only — it does not take into account your objectives, financial situation or needs, and is not a loan approval, pre-approval or an assessment of your borrowing capacity; projected capital growth is not guaranteed. Shared-equity scheme rules change and vary by individual circumstances; figures here were verified June 2026 — always confirm current terms with the scheme, lender or State Revenue Office before acting. Stamp duty does not normally apply to a voluntary share buy-back; LMI is an estimate only.