Useful links

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Australian Taxation Office (ATO)

ATO homepage

‍ATO investments and assets (tax implications on rental properties, holiday homes, vacant land, and subdividing)

ATO study and training support loans (higher education, trade apprenticeships, and training programs)

ATO financial difficulties and disasters (managing tax and super)

ATO FHSS (The first home super saver scheme (FHSS) is about using your super fund as tool to save for your first home purchase.)
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MyGov—ATO income statement

myGov account

For employees to get their ATO Income statement/s, log into myGov. Go to ’employment’ on the navigation and in the drop-down menu click ‘Income statements’. Your employer/s details are listed in the current tab. At the bottom of the Income statement webpage is a button to download a print-friendly version. Use the print options link to save as a PDF.

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First home buyers

FHSSS webpage

‍The First home super saver scheme (FHSS) is about using your super fund as tool to save for your first home purchase. Those savings can be used for any part of the home loan purchase and mortgage (i.e. deposit, purchase costs, repayments etc.—you decide). The scheme works by making extra payments into your regulated super fund through a salary sacrifice arrangement with your employer or making voluntary contributions.

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First Home Guarantee

The First Home Guarantee is a Federal Government incentive designed to support eligible home buyers purchase a home sooner. This initiative is delivered by Housing Australia, which is an independent housing authority that works with both the government and private sector to help people access affordable housing.

From 1 July 2023, you’re eligible if you haven't owned a property in Australia for the last 10 years.

First Home Guarantee webpage

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Help to Buy scheme

The Help to Buy scheme is yet to pass parliament and it’s set to be rolled out in Queensland first.
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Help to Buy scheme webpage

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First home owner grant (by state)

First Home Owner Grant (Qld)
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First Home Owner (New Homes) Grant (NSW)
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First Home Owner grant (Vic)

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Finance tools

MoneySmart

Australian Super Finder

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Credit report

Contact these credit reporting agencies for your free credit report:
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‍Experian 1300 783 684
‍illion 132 333
‍Equifax 138 332
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Different agencies can hold different information. So you may have a credit report with more than one agency.

Free online tools:
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MoneySmart.gov.au
ClearScore

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