How to Fill Out 5% Deposit Scheme Declaration Form

✅ What to Bring to Your Appointment

Government-issued photo ID (driver's license or passport)

Proof of citizenship/residency (birth certificate, citizenship certificate, or permanent residency visa)

List of all previous addresses and states/territories you've lived in

Previous names (maiden names, name changes, etc.)

If applying with someone: Their relationship to you

If Single Parent/Guardian: Dependent children's details

If you need an interpreter: Bring a trusted advisor or professional interpreter

Part A: Personal Details (Everyone Completes This)

1. Your Name & Address

Provide your full legal name and current residential address.

Example:
First name: Jane
Middle name(s): Elizabeth
Family name: Smith
Street: 45 Collins Street, Melbourne VIC 3000

2. Your Current Occupation

Write your job title (e.g., Teacher, Accountant, Nurse, Retail Manager).

3. Which Guarantee Are You Applying For?

Tick ONE box only:

For First Home Buyers – Never owned property in Australia

For Single Parents/Legal Guardians – You're a single parent or guardian

4. Previous Names

Have you been known by any other names (maiden name, previous married name, etc.)?

I have NOT been known by any other names

I have been known by these names: (list all in full)

Example: Jane Elizabeth Jones, Jane E. Brown

5. Australian Jurisdictions You've Lived In

Tick ALL states/territories where you have EVER lived (including where you live now).

Example: If you were born in QLD, moved to VIC for university, and now live in NSW, tick all three boxes.

6. Citizenship/Residency Status

Tick ONE box:

Australian citizen

Permanent resident

7. Age Confirmation

Tick the box to confirm you are at least 18 years old.

8. Are You Applying Alone or Jointly?

Individual (applying alone)

Jointly with someone else

9. If Applying Jointly – Your Relationship

Only complete if applying with someone else. Tick your relationship:

Married

De Facto

Siblings

Parent and Child

Friends

Other (specify)

10. Property Type You're Purchasing

Residential property (existing house/apartment)

Land + construction (buying land to build a home)

💡 Land + Construction Note: If buying land to build, you must start construction within 12 months and complete within 36 months of land settlement.

Part B: For First Home Buyers Only

⚠️ Skip this section if you're applying as a Single Parent/Legal Guardian

Property Ownership History

Tick the box to confirm:

I do NOT hold and have NOT held any property interest in Australia in the last 10 years

💡 What counts as "property interest"? • Owning a house or apartment
• Long-term land lease
• Company title interest

What doesn't count:
• Renting
• Living with family
• Short-term accommodation

Part C: For Single Parents/Legal Guardians Only

⚠️ Skip this section if you're applying as a First Home Buyer

1. Name of Second Applicant (if applicable)

Leave blank if applying alone.

2. Your Relationship to Your Dependent(s)

Tick all that apply:

Natural parent

Adoptive parent

Legal guardian

3. Day-to-Day Care Responsibility

Tick to confirm you're legally responsible for the daily care, welfare, and development of at least one dependent child.

4. Dependent Child Eligibility Criteria

Your dependent(s) must meet these requirements. Tick ALL that apply:

The dependent lives with me

The dependent is in full-time education (school/college/university)

The dependent earns less than $14,370.55 this financial year

The dependent is NOT receiving social security (except disability support pension)

OR

The dependent receives a disability support pension

Part D: Declaration & Signing (Everyone Must Complete)

🛑 Critical Requirements • You must sign in front of an authorized witness
• Joint applicants CANNOT witness each other's declaration
• The witness must be on the approved list (see Appendix)

What You're Declaring

By signing, you confirm:

All information is true and accurate
You understand the eligibility criteria
You'll notify your lender if circumstances change
You intend to move into the home within 6 months and live there
You authorize information sharing for verification purposes

Signing the Declaration

You must provide:

Your signature

Place where signed (suburb/city)

Date (day, month, year)

Optional: Your email and phone number

Witness Requirements

Your witness must:

Watch you sign the declaration
Be on the approved profession list (see Appendix)
Sign the declaration
Provide their full name, qualification/profession, and residential address

💡 Common Witnesses Include: Justice of the Peace, Pharmacist, Teacher, Doctor, Nurse, Accountant, Police Officer, Bank Officer (5+ years), Lawyer, Notary Public

Appendix: Approved Witness Professions

Who can witness your statutory declaration? Your witness must be currently licensed/registered OR hold one of the positions listed below.

Licensed Professionals

• Accountant (qualified)	• Architect	• Chiropractor
• Dentist	• Financial Adviser/Planner	• Legal Practitioner/Lawyer
• Medical Practitioner/Doctor	• Midwife	• Migration Agent
• Nurse	• Occupational Therapist	• Optometrist
• Patent Attorney	• Pharmacist	• Physiotherapist
• Psychologist	• Trade Marks Attorney	• Veterinary Surgeon

Other Approved Witnesses

• Justice of the Peace	• Police Officer	• Teacher (full-time/part-time)
• Notary Public	• Judge/Magistrate	• Registered Marriage Celebrant
• Bank Officer (5+ years)	• Australia Post Agent	• Member of Parliament
• Engineer (qualified)	• APS Employee (5+ years)	• Commissioner for Declarations
• Sheriff/Bailiff	• Clerk of Court	• Senior Public Servant

💡 Note: Some professions require 5+ years of continuous service. Ask your witness to confirm they meet the requirements.

Final Checklist Before Submission

All sections are completed (Part A + either B or C + Part D)

You've ticked all required boxes

You've signed the declaration in front of a witness

Your witness has signed and provided their details

All information is accurate and truthful

You've kept a copy for your records

📋 How to Complete the 5% Deposit Scheme Declaration Form: Step-by-Step Guide

1. Your Name & Address

2. Your Current Occupation

3. Which Guarantee Are You Applying For?

4. Previous Names

5. Australian Jurisdictions You've Lived In

6. Citizenship/Residency Status

7. Age Confirmation

8. Are You Applying Alone or Jointly?

9. If Applying Jointly – Your Relationship

10. Property Type You're Purchasing

Property Ownership History

1. Name of Second Applicant (if applicable)

2. Your Relationship to Your Dependent(s)

3. Day-to-Day Care Responsibility

4. Dependent Child Eligibility Criteria

What You're Declaring

Signing the Declaration

Witness Requirements

Licensed Professionals

Other Approved Witnesses

Get in touch today

Thank you

Want to reach out directly?