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$285K*

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NEWS
9 September 2025

Big News for First Home Buyers

Secure your new home at Floriana with just a 5% deposit*

For many first home buyers, the biggest hurdle is saving a deposit. It’s not unusual for this to take five, six, even seven years of hard work and sacrifice, all while paying rent that doesn’t build equity. From 1 October 2025, that wait gets shorter.

The Federal Government has expanded the Home Guarantee Scheme, removing caps on the number of places available and scrapping income limits. This means that every eligible Australian first home buyer, regardless of how much they earn, can now purchase a home with a deposit of as little as 5%, while avoiding costly Lenders Mortgage Insurance (LMI).

For Floriana buyers, this opens the door to home ownership sooner than many thought possible.

What is the Home Guarantee Scheme?

The Home Guarantee Scheme (HGS) is a government initiative designed to support first-home buyers into the property market. By guaranteeing part of your home loan, it means you don’t need the traditional 20% deposit to get your foot in the door. 

Here’s what the expanded changes could mean for you:

  • No income limits: Higher-income earners are now eligible, too.

  • Unlimited places: No more waiting lists or missing out.

  • 5% deposit: Buy with as little as 5%, not 20%.

  • No LMI: Save thousands by avoiding lender’s mortgage insurance.

What this means for Floriana buyers

Floriana is one of Ballarat’s most connected new communities, and now more first home buyers can call it home.

Take this JG King Homes Sutherland 15 House & Land Package, priced from $499,950*, as an example.

Without the scheme:

  • A 20% deposit would normally be $99,990*.

  • Plus, you’d likely face thousands in LMI.

 

With the scheme:

  • A 5% deposit is just $24,997.50*

  • You save around $75,000 on upfront deposit costs*

  • You avoid paying LMI

 

That’s money you can put into your own loan, instead of rent or fees. For some buyers, this could mean saving up to six years of deposit-building and putting as much as $25,000 into their mortgage instead of paying it out in LMI.

Extra help for first home buyers in Victoria

On top of the Home Guarantee Scheme, eligible buyers at Floriana may also access:

  • $10,000 First Home Owner Grant (FHOG) for new builds valued up to $750,000*

  • Off-the-plan stamp duty concession means you only pay duty on the land value. This applies until October 2026 and can cut tens of thousands from upfront costs

For a $499,950 home at Floriana, that’s game-changing. Smaller deposit, no LMI, no stamp duty, and potentially $10K off your total purchase. 

 

Why Floriana is the right choice for first home buyers

This scheme makes the numbers add up, but choosing the right community is just as important. Floriana delivers on value and lifestyle, giving first home buyers confidence that their first step into ownership is also the right one.

  • Connected location: Just 5 minutes to Delacombe Town Centre and under 10 minutes to Ballarat CBD.

  • Everyday convenience: Schools, childcare, shops, and cafes all close by.

  • Community feel: A boutique-sized neighbourhood with landscaped reserves and walking trails.

  • Great value: House and land packages starting under $500,000.

 

Floriana gives you a community, a place to grow, and now, the chance to invest in your own future sooner.

 

Frequently asked questions

 

Who is eligible for the Home Guarantee Scheme?


The scheme is designed for first home buyers who meet Housing Australia’s eligibility criteria. From 1 October 2025, income caps no longer apply, and property price caps are higher across the country. You can learn more on the Housing Australia website.

 

Can I use the scheme with a house and land package?


Yes, as long as the total package price sits under the scheme’s property cap of $650,000. Floriana packages are designed with this in mind.

 

What should I do next?


Speak with your lender or broker to check your eligibility. Then, explore our available lots and packages at Floriana to take your next step toward home ownership.

 

The bottom line

The path into the property market has been tough for first home buyers, but with the expanded 5% deposit scheme, that’s about to change. You no longer need to spend years saving for a 20% deposit. You can buy sooner, avoid LMI, and start paying off your own home instead of someone else’s.

Floriana makes it possible to pair this opportunity with the right home, in the right community, at the right price. Explore our available lots and home and land packages today, and speak to your lender so that come 1st October, you’re ready to go. 

 

 

Sources:

 

*Eligibility criteria apply to all offers, schemes and incentives. Speak to your financial adviser for personalised investment advice. Information provided is indicative only and should not be relied upon. Home and land prices listed are accurate as of 27 August 2025.



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Manav Uppal
House & Land Specialists
0491 666 637

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Privacy Policy

Bonshaw Projects Pty Ltd and its related entities (referred to as Floriana Bonshaw, BP, we, us or our) are committed to the protection of Personal Information that relates to you in accordance with the Australian Privacy Principles (APPs) as set out in the Privacy Act 1988 (Cth) (Privacy Act).

This Privacy Policy describes the manner in which we collect, hold and use information that is covered by the Privacy Act. It is not intended to cover categories of information that are not covered by the Privacy Act. If you wish to make any inquiries regarding this Privacy Policy, you should contact us in any of the ways specified in clause 13.

We may, from time to time, review and update this Privacy Policy including to take into account new laws, regulations and technology. All Personal Information held by us will be governed by our most recent Privacy Policy, posted on our website bonshawrun.com.au. Our most recent Privacy Policy will apply to our collection, use and disclosure of Personal Information.

What information is covered by the Privacy Act?

“Personal Information” is information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information is true or not, and whether recorded in a material form or not.
“Sensitive Information” is Personal Information about an individual that includes health information, genetic information, biometric information or templates, or Personal Information that is also information or an opinion about an individual’s race or ethnicity, their religious, political or philosophical beliefs, opinions or affiliations, their sexual orientation or criminal record.


What kind of information do we collect and hold?

We may collect and hold Personal Information about you such as your name, gender, date of birth, contact details (including your address, phone numbers and emails, whether personal or for work), financial information, payment details, bank account details, tax file number, products and services information and preferences. We may also collect Personal Information that you submit to us via our website.


Why do we collect Personal Information?


Why do we collect your information?
We collect Personal Information from customers, employees, contractors and other individuals that is reasonably necessary for one or more of our functions or activities, including: in order to allow us to conduct our business functions, to meet any regulatory requirements which apply to our business, to market and sell our products and services and to conduct employee related activities.


How you may deal with us
You have the option to deal with us anonymously or by using a pseudonym. However, you acknowledge that where this is impractical (for example when you enter into a contract with us) or where the law or a court order provides otherwise, we are not required to provide these options to you.
If you choose not to provide your Personal Information to us, we may not be able to undertake certain activities for you such as providing you with requested information, products or services.


Collecting Personal Information


When and how do we collect your information?
We collect Personal Information directly from you when you: visit our website, request information about us or our products or services, provide feedback, respond to a survey, change your content, email or profile preferences, enter into an agreement or contract with us, fill in a form or a request for services, fill in a form on our website (including where you register on our online platform as a worker or client) or contact us by telephone, facsimile, email, post or in person.
If you provide Personal Information about other individuals to us, you must ensure that you have informed those individuals that you are providing their Personal Information to us and that you have obtained their consent and advised them of our Privacy Policy.


Do we collect information about you in other ways?
We may also collect Personal Information about you via third parties including from our suppliers, merchants, direct mail, events, online marketing and social media activities.
In some circumstances we may receive Personal Information that we have not requested. If this occurs, we will comply with our obligations under the Privacy Act. You acknowledge that we may de-identify and/or destroy this information unless we are required to keep it by law.


Information collected via our website


Website terms of use
This Privacy Policy together with our website usage terms and conditions (Website Terms and Conditions) govern how we use, collect or disclose Personal Information provided on our website. By using our website, you agree to the terms and conditions contained in this Privacy Policy and the Website Terms and Conditions. Both the Privacy Policy and the Website Terms and Conditions are posted on our website.
We will not collect any Personal Information about users of our website except when they knowingly provide it or as otherwise described below. For example, we may collect Personal Information from users of our website when they:
1. complete an online form, including registering to receive updates, promotional material or other information; and/or
2. otherwise correspond with us.

Click stream data
When you visit and browse our website, our website host may collect Personal Information for statistical, reporting and maintenance purposes. Subject to clause 7.2, the Personal Information collected by our website host will not be used to identify you. The information may include:
1. the number of users visiting our website and the number of pages viewed;
2. the date, time and duration of a visit;
3. the IP address of your computer; or
4. the path taken through our website.
Our website host uses this information to administer and improve the performance of our website, including to assist with the diagnosis of and to provide support for any issues with our website or services.

 

Cookies
Cookies are small text files that are transferred to a user’s computer hard drive by a website for the purpose of storing information about a user’s identity, browser type or website visiting patterns.
If you access our website, a cookie is downloaded onto your computer’s hard drive when you first log on to our website. We use cookies to allow us to personalise your browsing and online service experience on our website. You can adjust your internet browser to disable cookies, however we may not be able to provide you with all the service or functionality you require on our website if you choose to do so.


Web beacons
Web beacons are images that originate from a third-party site to track visitor activities. We may use web beacons to collect aggregate data and provide this information to our website host to administer and improve the performance of our website.


Advertising
We use Google and/or other third-party service providers to serve ads on our behalf across the Internet and sometimes on our website. They may collect anonymous information about your visits to our website (not including your name, address, email address or telephone number), and your interaction with our products and services. They may also use information about your visits to our website and other websites to target advertisements for goods and services in order to provide more relevant advertisements about goods and services of interest to you.


Links to external websites
If you follow any links to external websites from our website, the Privacy Policy and the Website Terms and Conditions will not apply to those websites which may have their own policies relating to privacy and data collection and website usage. If you choose to access any linked website or to provide any Personal Information on such websites, you should review their policies and terms of use to learn more about how they may use your Personal Information. We are not responsible for and will not be liable for the operations or policies of any external website.


How we use Personal Information?


How we use the Personal Information we collect about you?
We use the Personal Information we collect about you for our business functions and activities, which may include the following:
1. to provide you with information, products or services you have requested, including where we engage third parties to provide you with goods or services on our behalf;
2. to provide you with a customer account, including evaluating and processing your application for a customer account;
3. to promote and market our products and services to you, including to communicate with you via SMS or email newsletters;
4. to personalise and customise your experiences on our website;
5. to help us research the needs of our customers;
6. to conduct research for the purposes of improving existing products or services or creating new products or services;
7. to provide you with ongoing information about us and our activities;
8. to allow us to provide third party information and offers in which we believe you may be interested;
9. to use aggregated or de-identified information for the purposes of data analysis, research and reporting;
10. to comply with regulatory or other legal requirements;
11. for purposes related to the employment of our personnel and providing internal services to our staff; and
12. for any other use required or permitted by law or any other purpose communicated to you at the time that the Personal Information was collected or for which you provided your consent.
We may use your Personal Information for a secondary purpose if that secondary purpose is related to the purposes listed in this clause 6.1, if we have your consent or if otherwise provided for under the Privacy Act.
Generally, we will only collect and use your Personal Information in accordance with this Privacy Policy. In the event that we collect or use Personal Information in ways other than as stated in this Privacy Policy, we will ensure that we do so in accordance with the Privacy Act.

Direct marketing
We may use your Personal Information to provide you with direct marketing materials if you would reasonably expect us to or if you consent to receive direct marketing materials. We will seek your consent to provide you with direct marketing materials if we have obtained your Personal Information from a third party. Direct marketing material may include promotional material about us or the products or services we offer.
You may opt out of receiving direct marketing material by contacting us in any of the ways specified in the direct marketing materials or as set out in clause 13.

When do we disclose Personal Information?


Who do we disclose your Personal Information to?
Depending on the nature of your relationship with us, we may disclose your Personal Information to our shareholders, officers and employees, other businesses within our group of companies, service providers who assist us in our business operations (including third party service providers based overseas), government agencies, parties involved in the purchase or sale of any of our businesses, other third parties, (including parties that we engage to provide you with goods or services on our behalf or who are connected with or involved in our relationship with you), or otherwise as required by law.

Service providers
We may also disclose your Personal Information to our website host or service providers in certain limited circumstances, for example when our website experiences a technical problem or to ensure that it operates in an effective and secure manner. To the extent that we do share your Personal Information with a service provider, we would only do so if that party has agreed to comply with our privacy standards as described in this Privacy Policy.
We may also share non-personal, de-identified and aggregated information for research or promotional purposes in connection with providing requested information or services to you, or for the purpose of improving our services. We will not sell your Personal Information to third parties for marketing purposes.
Unless otherwise specified in this Privacy Policy, we or our website host will not disclose any of your Personal Information to any other organisation unless the disclosure is required by law, is otherwise permitted by the Privacy Act, or is with your consent.

Disclosure of your Personal Information overseas
Your Personal Information may be disclosed outside of Australia to an entity in a foreign country, including entities in which we have an ownership interest or to third party service providers (Overseas Entities). It is possible that the Overseas Entities may be subject to foreign laws that do not provide the same level of protection of information as in Australia. We take reasonable steps to ensure that these Overseas Entities do not breach the APPs and that they are obliged to protect the privacy and security of your Personal Information and use it only for the purpose for which it is disclosed.

Storage and security of Personal Information held by us
We will take reasonable steps to protect your Personal Information from misuse, interference and loss and from unauthorised access, modification or disclosure.
We aim to keep your Personal Information secure and up to date. We will comply with our obligations under the Privacy Act in relation to any Personal Information that we handle, including information which is held on our computer systems.
Personal Information that is held by us in hard copy is stored securely on our premises and is only disclosed or used for the purposes described in this Privacy Policy.

Updating and correcting your Personal Information
We will take reasonable steps to ensure that the Personal Information that we hold is accurate, up- to-date and complete. You can update your Personal Information at any time by contacting us in any of the ways specified in clause 13. We welcome any changes to your Personal Information so as to keep our records up to date.

How long will we keep your Personal Information?
We will keep your Personal Information only for as long as required for our business purposes and otherwise as required by Australian law.
Where we no longer need to keep your Personal Information in accordance with this clause 11, we will take reasonable steps to destroy or de-identify your Personal Information.
If you wish to have your Personal Information destroyed or de-identified, please let us know and we will take reasonable steps to do so (unless we need to keep it for legal, auditing or internal risk management reasons, or as otherwise required by law).

Finding out what Personal Information we hold about you
You are entitled to access Personal Information that we hold about you. If you request access to your Personal Information, we will grant your request unless providing you with access would unreasonably impact upon the privacy of others or is not otherwise permitted under the Australian Privacy Principles or at law. If we refuse your request to access your Personal Information, we will provide you with written reasons for the refusal.
A request for access can be made by contacting us in any of the ways specified in clause 13.

How to contact us and more information?
If you feel that your privacy has not been respected or that we have conducted ourselves inconsistently with this Privacy Policy, the Australian Privacy Principles, a registered APP Code and/or the Privacy Act in respect of your Personal Information, or for any other queries, problems, complaints or communication in relation to this Privacy Policy, please contact us in any of the following ways:
Email
john@essentiaprojects.com.au
Post
Att: John Wheatley
Suite 107
44 Lakeside Drive
Scoresby VIC 3179

You can find out more information about the Privacy Act and the Australian Privacy Principles from the Office of the Australian Information Commissioner. The Information Commissioner may be contacted at www.oaic.gov.au or by email at enquiries@oaic.gov.au.

Disclaimer

Bonshaw Projects Pty Ltd (BP) reserves the right to amend these Terms and Conditions from time to time. Amendments will be posted on this website and will be effective from the time of posting. By viewing this website, you shall accept and agree to be bound by the following Terms and Conditions. If you don’t accept this or any of the Terms, you must immediately discontinue your access to this website. For the purposes of this website, BP includes all entities for which BP is responsible for its management or other professional services.

Purpose of the website

The purpose of this website is to provide the viewer with background information on BP and to allow the viewer to contact BP. This website has been prepared by BP and each viewer must make their own independent assessment and investigation of BP. 

This website does not purport to contain all the information that a prospective investor or acquirer of goods or services and/or rights to use the Company’s technologies may require. In all cases, before acting in reliance on any information, the viewer should conduct their own investigation and analysis in relation to BP its goods/services/technologies and should check the accuracy, reliability and completeness of the information and obtain independent and specific advice from appropriate professional advisers.

This website may contain reference to certain intentions, expectations and plans of BP. Those intentions, expectations and plans may or may not be achieved. They’re based on certain assumptions which may not prove to be correct. The performance and operations of BP may be influenced by a number of factors, some of which may be outside the control of BP. No representation or warranty, express or implied, is made by BP, its officers, employees, agents, consultants or advisers that any intentions, expectations or plans will be achieved either in whole or in part.

Whilst BP endeavours to ensure that all information is current and correct, BP makes no representation or warranty (express or implied) as to the currency, accuracy, reliability or completeness of the information. BP and its officers, employees, agents and consultants accept no liability (including liability to any person by reason of negligence or negligent misstatement) for loss or damage caused by any statements, opinions, information or other matters (expressed or implied) arising out of, contained in or derived from, or for any omissions from, this website, except liability under statute that cannot be excluded.

BP makes no representations whatsoever about any other website which you may access through this one. When you access a non-BP website through any link within the BP website, please note that it is independent from BP, and that BP has no control over the content on that website. Where there is a link to a non-BP website this does not imply that BP endorses that website or accepts any responsibility for the content or use of that website. You must take whatever precautions are necessary to ensure that whatever you download from any website is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

In no event will BP be liable to any party for any direct, indirect, special or other consequential loss or damage, however caused (including through negligence), arising as a consequence of any use of this website, or of any other hyperlinked website, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we’re expressly advised of the possibility of such damages.

This website and its contents are owned by BP. The content of this website, including any source code is the property of BP and may be protected by the law of copyright, trademarks, design rights and other intellectual property rights. You’re permitted to download content for your personal information but not for any other purpose commercial or otherwise. You’re not permitted to reproduce, distribute, transmit or incorporate into another document any of the content of this website without the prior written permission of BP. No data transmission over the internet can be guaranteed as totally secure. Whilst we strive to protect such information, we cannot ensure the security of any information you transmit to us. Any information you transmit to us is transmitted at your own risk. Once we receive your information, we will take reasonable steps to preserve the security of such information. Persons accessing this website are not authorised to alter, delete or replace any pages or data on this website, or to link this website with any other website.

Privacy 


BP collects personal information in order to undertake promotions, to assist in providing the products or services an individual has requested (if any), and to improve its products and services. BP may use the information for promotional, marketing, publicity, research and profiling purposes, and may be in touch by any means (including telephone, email or SMS) at any time to let an individual know about products, services or promotional activities which may be of interest until the individual informs BP otherwise. 


BP may also share an individual’s information with other persons or entities who assist it in providing its products or services or running competitions or trade promotions. BP may also disclose personal information to third parties as required by Australian regulatory authorities. 


BP is bound by the Australian Privacy Principles in the Privacy Act 1988 (Cth), and by participating in any promotions and/or agreeing to any product or service offered by BP, each individual is taken to consent to BP‘s Privacy Policy. Participants should direct any request to access, update or correct personal information to BP.