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First Home
Super Saver
Scheme (FHSSS)
The FHSSS is a Federal Government initiative introduced to help Australians buy their first home. Under the scheme, you can make eligible voluntary contributions into your super account that you can then draw on to help purchase your first home.
What is the First Home Super Saver Scheme?
Singles can contribute up to $15,000 per year, or $50,000 over their lifetime, to their superannuation account which will be eligible to be released under the FHSSS.
Eligible voluntary contributions can be made into your Hostplus super account and can be withdrawn to purchase a first home along with any investment earnings as determined by the Australian Taxation Office (ATO).
FAQs on the
First Home Super Saver Scheme
Participants in the FHSSS must:
- be aged 18 years or older
- have never owned a property in Australia before, and
- have never previously requested a release authority in relation to a FHSSS determination.
Please note: If you have previously owned a home and suffered a financial hardship, you may still be eligible to participate in the FHSSS subject to ATO’s approval.
You participate in the scheme by making voluntary contributions to your Hostplus super account.
The contribution types eligible for the FHSSS are outlined below.
- Voluntary concessional contributions – including salary sacrifice amounts or contributions for which a tax deduction has been claimed or you intend to claim, these are usually taxed at 15% in your fund.
- Voluntary non-concessional contributions that you have made – including personal after-tax contributions where a tax deduction has not been claimed.
You can contribute up to your existing super contribution caps. Having amounts released under the FHSS scheme does not affect the calculation of your concessional or non-concessional contributions for contributions cap purposes. Your contributions still count towards your contribution caps for the year they were originally made.
There are limits on the amount of eligible contributions that can count towards your maximum releasable amount.
For more information about contribution types and caps, please refer to our Member Guide and the ATO website.
You can make one-off contributions via BPAY®. Login or register at Hostplus Member Online for more information about making a contribution. Please note, you’ll need your member number to register.
Alternatively, you can make regular contributions by direct debit from your bank account. Just fill out the Direct Debit Authority form.
When you are ready to withdraw the money from your super account under the FHSSS, you can apply to the ATO. The ATO will work with you and Hostplus to help you withdraw the money from your super account to buy your first home.
For more information about applying to release your savings please visit the ATO FHSSS webpage.
