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The AHO and Indigenous Business Australia (IBA) are working in partnership to enable Aboriginal tenants to buy the houses they are renting, through the Home Purchase Scheme.

To assist applicants approved under the scheme in making their first purchase, the AHO will pay the full cost of a property valuation, and up to $2,500 for legal and ancillary costs. They may also be exempt from State Government Stamp Duty on both the house purchase and mortgage.

Expression of Interest (EOI)

Tenants who wish to apply to buy their properties through the AHO/IBA Home Purchase Scheme need to complete an Expression of Interest form and submit it to the AHO.


A purchase through the scheme is financed by an IBA Homes mortgage, and the assessment process is based on the IBA lending criteria, which includes the ability to meet the repayment schedule.

As well as helping with initial advice and an assessment of an applicant's financial circumstances:

  • IBA Homes can provide low interest-rate home loans to Indigenous people who are buying a home or land, building a new home, or carrying out home improvements/maintenance.
  • Under special conditions, IBA Homes may also offer loans to Indigenous people seeking to refinance an existing home loan.

Should an AHO tenant wish to purchase their home with finance outside of the AHO/IBA scheme, they can arrange to do so through:

Housing NSW
1800 422 322

In these cases the AHO does not cover any valuation or legal costs.

For more information on Home ownership, read the AHO Home Ownership factsheet (PDF).