Home purchase assistance 
2007–08
Commonwealth State Housing Agreement 
national data report
March 2009

The Australian Institute of Health and Welfare is Australia’s national
health and welfare statistics and information agency. The Institute’s mission is
 better information and statistics for better health and wellbeing.
© Australian Institute of Health and Welfare 2009

This work is copyright. Apart from any use as permitted under the Copyright Act 1968, no part may be reproduced without prior written permission from the Australian Institute of Health and Welfare. Requests and enquiries concerning reproduction and rights should be directed to the Head, Media and Communications Unit, Australian Institute of Health and Welfare, GPO Box 570, Canberra ACT 2601.

This publication is part of the Australian Institute of Health and Welfare’s Housing assistance data development series. A complete list of the Institute’s publications is available from the Institute’s website <www.aihw.gov.au>. 

ISSN 1440-4303
ISBN 978 1 74024 906 5

Suggested citation 
Australian Institute of Health and Welfare 2009. Home purchase assistance 2007–08: Commonwealth State Housing Agreement national data report. Housing assistance data development series. Cat. no. 201.Canberra: AIHW.
Australian Institute of Health and Welfare 
Board Chair
Hon. Peter Collins, AM, QC

Director 
Penny Allbon

Any enquiries about or comments on this publication should be directed to:
Housing Assistance Unit
Australian Institute of Health and Welfare
GPO Box 570
Canberra ACT 2601
Phone: (02) 6244 1073
Email: housing@aihw.gov.au

Published by the Australian Institute of Health and Welfare

Please note that there is the potential for minor revisions of data in this report.
Please check the online version at <www.aihw.gov.au> for any amendments.

Contents
Acknowledgments
Symbols
Summary
1 Introduction
2 CSHA 2007–08 home purchase assistance data
2.1 Data definitions
2.2 Terminology
2.3 Summary data
2.4 Outcomes measures
2.4.1 Outcomes 1 and 2: Targeting and affordability
2.4.2 Outcome 3: Customer satisfaction
2.4.3 Outcome 4: Efficient use of assets
3 Details of data items and summary indicators and reporting structure
3.1 Reporting structure
3.2 Data items
3.3 Outcome measures
3.4 Details of efficient use of assets indicators
3.4.1 Measure 1: Number and value of arrears
3.4.2 Measure 3: Level of provision for doubtful debts
4 General notes
4.1 Changes to the 2007–08 data collection
4.2 Data qualifications
4.3 Indigenous identification
4.4 Scope
4.5 Coverage
References
List of tables
List of figures
Acknowledgments
This report was produced by the Housing Assistance Unit of the Australian Institute of Health and Welfare (AIHW). Data were provided by all states and territories under the National Housing Data Agreement, a subsidiary agreement to the 2003 Commonwealth State Housing Agreement. This work is jointly funded by the Housing Ministers’ Advisory Committee and the AIHW. The author would like to thank the National Committee for Housing Information for its direction in preparing this report. 
The author would also like to acknowledge the vital role played by the data providers. This report could not have been produced without the efforts and cooperation of those individuals in each state and territory who not only prepared their own jurisdiction’s data but also responded to queries from the AHIW Housing Assistance Unit.

Symbols 
. .		not applicable
n.a.		not available
$		Australian dollars
%		per cent
’000		thousands

Summary
This report presents data from the 2007–08 Commonwealth State Housing Agreement (CSHA) home purchase assistance data collection.
Home purchase assistance is designed to meet local needs facing state and territory housing agencies, as well as meeting national housing priorities. 
Recipients
In 2007–08 home purchase assistance was provided to 32,292 households in Australia across a range of program types including direct lending, deposit assistance, interest rate assistance, mortgage relief, home purchase advisory and counselling services and other forms of assistance. Of these, there were 560 Indigenous households. The number of households assisted has increased compared to the previous year, where 31,483 households received CSHA home purchase assistance. 
How assistance was provided
Approximately $1.2 billion was spent on home purchase assistance in 2007–08, compared with $707.1 million the previous year, a 39% increase.  Most of this funding ($1.1 billion) was provided as home loans, with the majority of it going to home purchasers in Western Australia (78% or $881.6 million) and South Australia  (21% or $233.5 million). Other home purchase assistance funding included $16.1 million in interest rate assistance, almost 
$6 million in mortgage relief, $184,000 in home purchase advisory and counselling services and $110,000 in deposit assistance. The remaining went to other one-off forms of assistance such as Victoria’s Shared Home Ownership Scheme.
Some data limitations
There is considerable variability across jurisdictions in terms of program guidelines and coverage of home purchase assistance. As a result, despite the development and agreement of standard national data definitions, the data derived are less comparable than for the major national programs such as public rental housing and community housing. Nonetheless, the available information provides a valuable resource for understanding the characteristics of these programs across all jurisdictions.
Also, information for all six home purchase assistance programs was not provided by all jurisdictions, therefore national totals include only jurisdictions for which data are available.

1 	Introduction
This publication is one of a set of six that report on housing assistance provided in 2007–08 under the 2003 CSHA. This report focuses on home purchase assistance, presenting a compilation of available data from all jurisdictions. 
The remaining five reports in the series are:
•	Community housing 2007–08 
•	Public rental housing 2007–08 
•	State owned and managed Indigenous housing 2007-08 
•	Crisis Accommodation Program 2007–08 
•	Private rent assistance 2007–08 
These publications are the ninth set published in the Housing Assistance Data Development Series. The series was initially developed under the 1999 National Housing Data Agreement and the 1999 Agreement on National Indigenous Housing Information to report on the data collections and the associated standards, definitions and classifications under these agreements. Both agreements were renewed for a further five years under the 2003 CSHA. Reports are available from <www.aihw.gov.au> for most previous collections.
Related publications in the series include the National housing assistance data dictionary 
version 3 (AIHW 2006) and Measuring housing assistance: national data standards developed under the 1999 Commonwealth State Housing Agreement (AIHW 2004).
This report provides data on the people receiving assistance and the value of the assistance provided by state and territory housing authorities for home purchase assistance. It contains all available data collected for national reporting under the 2003 CSHA.

2 	CSHA 2007–08 home purchase assistance data 
2.1 Data definitions
The National housing assistance data dictionary version 3 (AIHW 2006) was the authoritative source of data definitions and standards for this collection.
Further details of the specific items in this national collection are available from the CSHA Home purchase rent assistance data manual 2007–08 (AIHW 2008). Copies of the data manual are available from the contact officer for this publication. 
2.2 Terminology
Household
A group of two or more related or unrelated people who usually reside in the same dwelling, and who make common provision for food and other essentials for living; or  a person who usually resides in a dwelling and makes provision for his or her own food and essentials for living, without combining with any other person.
Income—assessable
The value of total income from all assessable sources. The assessable sources are those specified and used to establish eligibility for receipt of housing assistance. Each state and territory uses its own definition of ‘assessable income’.
Indigenous household
A household that contains one or more Indigenous people.
Instances of assistance
The number of times a household receives a one-off assistance grant or receives assistance through an ‘ongoing’ assistance type such as a loan. ‘Ongoing’ assistance is counted as one instance of assistance in the financial year for each program type where assistance is provided.
Loans outstanding
Loans where the interest and principal payments still need to be made. The number of loans is equal to the number of households with outstanding loans.
Non-repayable assistance
Assistance is non-repayable when the client has no obligation to repay any of the value of assistance provided.
One-off assistance
Refers to assistance provided to meet a specific event, such as direct lending or deposit assistance for the purchase of a home.
Ongoing assistance
Refers to assistance provided for a specific length of time, such as interest rate assistance for a six-month period.
Outstanding monies
Monies provided prior to 1 July 2007 with an obligation to be repaid that have not been repaid regardless of whether there has been a breach of repayment terms (for example, whether the client has defaulted on repayments).
Provision for doubtful debts
Specific provisions are made for identified loans where loan balances are greater than the property value and the loan is in arrears.
Repayable assistance
Assistance is repayable (or returnable) when the client has an obligation to repay, in part or full, the value of assistance provided.
Unrecoverable debts written-off
Monies outstanding that cannot be recovered or where a decision has been made not to pursue the recovery of the outstanding amount.

2.3 Summary data
Table 2.1: Home purchase assistance totals, 2007–08
Summary data item	NSW	Vic	Qld	WA	SA	Tas	ACT	NT	Total(a)	
Total households assisted under each program	7,236	146	62	7,660	16,867	26	18	277	32,292	
Total Indigenous households assisted under each program	n.a.	n.a.	0	115	426	0	n.a.	19	560	
Total new households assisted under each program	7,182	93	27	7,660	2,093	25	0	164	17,244	
Total new Indigenous households assisted under each program	n.a.	n.a.	0	115	89	0	n.a.	6	210	
Total value ($’000)	1,408	3,086	901	886,518	249,543	918	60	14,047	1,156,481	
(a) May not represent national total as data was not available from all jurisdictions. Also, total figures should be interpreted with caution due to data inconsistency between jurisdictions. Data are also not comparable between years.
Note: Households may be assisted under more than one home purchase assistance program.
Table 2.2: Home purchase assistance total summary data by program type, 2007–08
Summary data item	NSW	Vic	Qld	WA	SA	Tas	ACT	NT	Total(a)	
Direct lending										
	Total households	. .	44	11	3,688	13,870	8	. .	164	17,785	
	Total value ($’000)	. .	2,667	798	881,600	233,474	810	. .	14,000	1,133,349	
Deposit assistance										
	Total households	. .	. .	1	. .	. .	18	. .	. .	19	
	Total value ($’000)	. .	. .	2	. .	. .	108	. .	. .	110	
Interest rate assistance										
	Total households	. .	. .	36	45	2,997	. .	. .	113	3,191	
	Total value ($’000)	. .	. .	n.a.	4	16,069	. .	. .	47	16,120	
Mortgage relief										
	Total households	239	40	13	37	. .	n.a.	18	. .	347	
	Total value ($’000)	1,408	42	100	4,364	. .	n.a.	60	. .	5,974	
Home purchase advisory and counselling services							
	Total households	6,997	. .	. .	3,688	. .	. .	. .	. .	10,685	
	Total value ($’000)	0	. .	. .	184	. .	. .	. .	. .	184	
Other										
	Total households	. .	62	1	202	. .	. .	. .	. .	265	
	Total value ($’000)	. .	377	1	366	. .	. .	. .	. .	744	
(a) May not represent national total as data was not available from all jurisdictions. Also, total figures should be interpreted with caution due to data inconsistency between jurisdictions. Data are also not comparable between years.

Table 2.3: Home purchase assistance national summary data, 2007–08
Data items	NSW	Vic	Qld	WA	SA	Tas	ACT	NT	Total(a)        	
Direct lending: one-off repayable	
H1a	Total number of new households assisted for year ending 30 June 2008	..	0	11	3,688	..	..	..	164	3,863	
H1b	Total number of new Indigenous households assisted for year ending 
30 June 2008	..	n.a	0	53	..	..	..	6	59	
H1c	Total value of assistance provided for year ending 
30 June 2008 ($’000)	..	0	798	881,600	..	..	..	14,000	896,398	
H1f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	714	2,379	2,176	8,491	..	..	..	1,816	15,576	
H1g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year ($’000)	37,000	61,429	33,677	741,300	..	..	..	121,318	994,724	
H1h	Total number of unrecoverable debts written off for year ending 30 June 2008	0	0	0	8	..	..	..	n.a.	8	
H1i	Total value of unrecoverable debts written off for year ending 30 June 2008 ($’000)	0	0	0	153	..	..	..	n.a.	153	
Direct lending: ongoing repayable	
H1a	Total number of new households assisted for year ending 30 June 2008	..	29	..	..	1,570	7	..	..	1,606	
H1b	Total number of new Indigenous households assisted for year ending 
30 June 2008	..	n.a	..	..	59	0	..	..	59	
H1c	Total value of assistance provided for year ending 
30 June 2008 ($’000)	..	2,667	..	..	233,474	810	..	..	236,951	
H1d	Total number of all households assisted for year ending 30 June 2008	..	44	..	..	13,870	8	..	..	13,922	
H1e	Total number of all Indigenous households assisted for year ending 
30 June 2008	..	n.a	..	..	280	0	..	..	280	
H1f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	..	12	..	..	12,311	272	..	..	12,595	
(continued)	
Table 2.3 (continued): Home purchase assistance national summary data, 2007–08	
Data items	NSW	Vic	Qld	WA	SA	Tas	ACT	NT	Total(a)        	
Direct lending: ongoing repayable (continued)	
H1g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year ($’000)	..	1,308	..	..	1,035,567	8,409	..	..	1,045,284	
H1h	Total number of unrecoverable debts written off for year ending 30 June 2008	..	4	..	..	22	0	..	..	26	
H1i	Total value of unrecoverable debts written off for year ending 30 June 2008 ($’000)	..	63	..	..	152	0	..	..	215	
Deposit assistance: one-off repayable	
H2a	Total number of new households assisted for year ending 30 June 2008	..	..	..	..	..	..	..	..	..	
H2b	Total number of new Indigenous households assisted for year ending 
30 June 2008	..	..	..	..	..	..	..	..	..	
H2c	Total value of assistance provided for year ending 
30 June 2008 ($’000)	..	..	..	..	..	..	..	..	..	
H2f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	..	..	37	..	..	..	..	..	37	
H2g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year ($’000)	..	..	425	..	..	..	..	..	425	
H2h	Total number of unrecoverable debts written off for year ending 30 June 2008	..	..	0	..	..	..	..	..	0	
H2i	Total value of unrecoverable debts written off for year ending 30 June 2008 ($’000)	..	..	0	..	..	..	..	..	0	
Deposit assistance: one-off non-repayable	
H2a	Total number of new households assisted for year ending 30 June 2008	..	..	1	..	..	18	..	..	19	
H2b	Total number of new Indigenous households assisted for year ending 
30 June 2008 	..	..	0	..	..	0	..	..	0	
H2c	Total value of assistance provided for year ending 
30 June 2008 ($’000)	..	..	2	..	..	108	..	..	110	
(continued)	
Table 2.3 (continued): Home purchase assistance  national summary data, 2007–08	
Data items	NSW	Vic	Qld	WA	SA	Tas	ACT	NT	Total(a)        	
Interest rate assistance: one-off non-repayable	
H3a	Total number of new households assisted for year ending 30 June 2008	..	..	..	45	..	..	..	..	45	
H3b	Total number of new Indigenous households assisted for year ending 
30 June 2008	..	..	..	3	..	..	..	..	3	
H3c	Total value of assistance provided for year ending 
30 June 2008 ($’000)	..	..	..	4	..	..	..	..	4	
Interest rate assistance: ongoing repayable	
H3a	Total number of new households assisted for year ending 30 June 2008	..	..	..	..	523	..	..	..	523	
H3b	Total number of new Indigenous households assisted for year ending 
30 June 2008	..	..	..	..	30	..	..	..	30	
H3c	Total value of assistance provided for year ending 
30 June 2008 ($’000)	..	..	..	..	16,069	..	..	..	16,069	
H3d	Total number of all households assisted for year ending 30 June 2008	..	..	..	..	2,997	..	..	..	2,997	
H3e	Total number of all Indigenous households assisted for year ending 30 June 2008	..	..	..	..	146	..	..	..	146	
H3f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	..	..	..	..	2,481	..	..	..	2,481	
H3g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year ($’000)	..	..	..	..	58,092	..	..	..	58,092	
H3h	Total number of unrecoverable debts written off for year ending 30 June 2008	..	..	..	..	5	..	..	..	5	
H3i	Total value of unrecoverable debts written off for year ending 30 June 2008 ($’000)	..	..	..	..	10	..	..	..	10	
(continued)	
Table 2.3 (continued): Home purchase assistance national summary data, 2007–08	
Data items	NSW	Vic	Qld	WA	SA	Tas	ACT	NT	Total(a)        	
Interest rate assistance: ongoing non-repayable	
H3a	Total number of new households assisted for year ending 30 June 2008	..	..	1	..	..	..	..	..	1	
H3b	Total number of new Indigenous households assisted for year ending 
30 June 2008	..	..	n.a.	..	..	..	..	..	n.a.	
H3c	Total value of assistance provided for year ending 
30 June 2008	..	..	n.a.	..	..	..	..	47	47	
H3d	Total number of all households assisted for year ending 30 June 2008	..	..	36	..	..	..	..	113	149	
H3e	Total number of all Indigenous households assisted for year ending 
30 June 2008	..	..	n.a.	..	..	..	..	13	13	
Mortgage relief: one-off repayable	
H4a	Total number of new households assisted for year ending 30 June 2008 	21	..	13	37	..	          .. 	..	..	71	
H4b	Total number of new Indigenous households assisted for year ending 
30 June 2008	n.a.	..	0	n.a.	..	..	..	..	0	
H4c	Total value of assistance provided for year ending 
30 June 2008 ($’000)	118	..	100	4,364	..	..	..	..	4,582	
H4f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	648	..	28	n.a.	..	..	..	..	676	
H4g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year ($’000)	3,921	..	133	n.a.	..	..	..	..	4,054	
H4h	Total number of unrecoverable debts written off for year ending 30 June 2008 	0	..	0	n.a.	..	..	..	..	0	
H4i	Total value of unrecoverable debts written off for year ending 30 June 2008 ($’000)	0	..	0	n.a.	..	..	..	..	0	
(continued)

	
Table 2.3 (continued): Home purchase assistance national summary data, 2007–08	
Data items	NSW	Vic	Qld	WA	SA	Tas	ACT	NT	Total(a)       	
Mortgage relief: ongoing repayable	
H4a	Total number of new households assisted for year ending 30 June 2008	164	2	..	..	..	n.a.	0	..	166	
H4b	Total number of new Indigenous households assisted for year ending 
30 June 2008	n.a.	n.a	..	..	..	n.a.	n.a.	..	n.a.	
H4c	Total value of assistance provided for year ending 
30 June 2008 ($’000)	1,290	42	..	..	..	n.a.	60	..	1,392	
H4d	Total number of all households assisted for year ending 30 June 2008	218	40	..	..	..	..	18	..	276	
H4e	Total number of all Indigenous households assisted for year ending 
30 June 2008	n.a.	n.a	..	..	..	..	n.a.	..	n.a.	
H4f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	0	38	..	..	..	428	29	..	495	
H4g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year ($’000)	0	211	..	..	..	3,315	589	..	4,115	
H4h	Total number of unrecoverable debts written off for year ending 30 June 2008	0	1	..	..	..	..	0	..	1	
H4i	Total value of unrecoverable debts written off for year ending 30 June 2008 ($’000)	0	1	..	..	..	..	0	..	1	
Home purchase advisory and counselling services: one-off non-repayable	
H5a	Total number of new households assisted for year ending 30 June 2008	6,997	..	..	3,688	..	..	..	..	10,685	
H5b	Total number of new Indigenous households assisted for year ending 
30 June 2008	n.a.	..	..	53	..	..	..	..	53	
H5c	Total value of assistance provided for year ending 
30 June 2008 ($’000)	0	..	..	184	..	..	..	..	184	
(continued)

Table 2.3 (continued): Home purchase assistance  national summary data, 2007–08	
Data items	NSW	Vic	Qld	WA	SA	Tas	ACT	NT	Total(a)        	
Other: one-off repayable	
H6a	Total number of new households assisted for year ending 30 June 2008	..	62	..	143	..	..	..	..	205	
H6b	Total number of new Indigenous households assisted for year ending 
30 June 2008	..	n.a	..	n.a.	..	..	..	..	n.a.	
H6c	Total value of assistance provided for year ending 
30 June 2008 ($’000)	..	377	..	286	..	..	..	..	663	
H6f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	..	215	..	n.a.	..	..	..	..	215	
H6g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year ($’000)	..	1,262	..	n.a.	..	..	..	..	1,262	
H6h	Total number of unrecoverable debts written off for year ending 30 June 2008	..	1	..	n.a.	..	..	..	..	1	
H6i	Total value of unrecoverable debts written off for year ending 30 June 2008 ($’000)	..	2	..	n.a.	..	..	..	..	2	
Other: one-off non-repayable 	
H6a	Total number of new households assisted for year ending 30 June 2008 	..	..	1	59	..	..	..	..	60	
H6b	Total number of new Indigenous households assisted for year ending 
30 June 2008	..	..	0	6	..	..	..	..	6	
H6c	Total value of assistance provided for year ending 
30 June 2008 ($’000)	..	..	1	80	..	..	..	..	81	
(a) May not represent national total as data was not available from all jurisdictions. Also, note that total figures should be interpreted with caution due to data inconsistency between jurisdictions.  Data are also not comparable between years.	
NSW	Direct lending: one-off repayable	
	H1f	HomeFund loans: 677. Home Purchase Assistance Account loans: 37.	
	H1g	HomeFund loans: $36.3 million. Home Purchase Assistance Account loans: $0.7 million.	
	Mortgage relief: one-off repayable	
	H4b, H4c	The data captured by the NSW Department of Housing on home purchase assistance clients do not allow identification of Indigenous households.	
	H4f, H4g	In view of difficulties in distinguishing between ‘one-off’ and ‘ongoing’ assistance for assistance provided in a previous financial year, the total assistance provided has been reported under ‘one-off’ assistance.	
	H4h, H4i	In view of difficulties in distinguishing between unrecoverable debts written off for ‘one-off’ assistance and those for ‘ongoing’ assistance, the total unrecoverable debts written off have been reported under ‘one-off’ assistance.

	Mortgage relief: ongoing repayable	
	H4b, H4e	The data captured by the Department on home purchase assistance clients does not allow identification of Indigenous households.	
	H4c	Includes $1,190,000 for new households assisted and $100,000 for households where assistance commenced in 2005–06 and continued into 2007–08.	
	H4d	Includes 104 new households assisted and 54 households where assistance commenced in 2006–07 and continued into 2007–08.	
	H4f, H4g	In view of difficulties in distinguishing between ‘one-off’ and ‘ongoing’ assistance for assistance provided in a previous financial year, the total assistance provided has been reported under ‘one-off’ assistance.	
	H4h, H4i	In view of difficulties in distinguishing between unrecoverable debts written off for ‘one-off’ assistance and those for ‘ongoing’ assistance, the total unrecoverable debts written off have been reported under ‘one-off’ assistance.	
	Home purchase advisory and counselling services: one-off non-repayable	
	H5a	Total number of calls to Home Purchase Advisory Service during 2007–08. (Does not include calls from clients seeking general information about other forms of assistance provided by the Department.)	
	H5b	The data captured by the Department on home purchase assistance clients does not allow identification of Indigenous households.	
			
Vic	Direct lending: one-off repayable	
	H1b	This household attribute is not currently captured by information systems.	
	Direct lending: ongoing repayable	
	H1b, H1e	This household attribute is not currently captured by information systems.	
	H1d	This figure is the number of assists through the Group Self Build program, a demand driven program primarily focused in rural Victoria. The level of demand has fallen due to rising interest rates and the drought.	
	Mortgage relief: ongoing repayable	
	H4b, H4e	This household attribute is not currently captured by information systems.	
	Other: One-off repayable	
	H6b	This household attribute is not currently captured by information systems.	
			
Qld	Direct lending: one-off repayable	
	H1a	Comprises Queensland State Housing Loan to 1 household and Queensland Housing Finance Loans to 10 households.	
	H1c	Comprises $50,000 for Queensland State Housing Loans and $748,000 for Queensland Housing Finance loans.	
	H1f	Outstanding repayable monies relate to the following products: Queensland State Housing Loan (current scheme), Queensland Housing Finance Loan (current scheme), Queensland Housing Loan (discontinued in 2001), Rental Purchase Plan (shared equity scheme—discontinued in 1996), H.O.M.E Loan (discontinued in 1994), Interest Subsidy Loan (discontinued in 1990), and Other Housing Loans (discontinued in 1990).	
	Deposit assistance: one-off repayable	
	H2f, H2g	Outstanding repayable monies relate to Deposit Assistance Loans, which were discontinued in 1996.	
	Deposit assistance: one-off non-repayable	
	H2a	The Deposit Assistance Grant is a one-off non-repayable grant provided to all public housing tenants and all eligible wait-listed applicants wishing to purchase an available public housing rental property through the Queensland State Housing Loan scheme. Other applicants wishing to purchase an available public housing rental property are also eligible. The maximum grant available is equivalent to 50% of the required 5% deposit and is means tested. In addition, the Deposit Assistance Grant is also available to new borrowers of Aboriginal, Torres Strait Islander or Australian South Sea Islander descent—maximum grant available is $5,000 to assist with fees or deposit.	
	Interest rate assistance: ongoing non-repayable	
	H3a	Provided to one household in relation to Queensland Housing Finance Loan. During the first five years of Queensland Housing Finance Loans (Rental Purchase Plan conversions only), the interest rate is capped at 1% below the Queensland Department of Housing’s standard variable interest rate at the time of the loan’s approval and cannot rise above the capped rate. Should the department’s standard variable interest rate fall below the capped rate during the first five years, the interest rate will be that lower rate.	
	H3c	Interest rate assistance is linked to direct lending as part of the product package, so it is not possible to provide a specific value for the assistance provided.	
	Other: One-off non-repayable	
	H6a	The provision of special assistance grants was discontinued in February 2008.	

WA	Direct lending: one-off repayable	
	H1a	Loans approved.	
	H1c	Including loans $767m plus DHW equity purchases $114.6m.	
		
	Interest rate assistance: One-off non-repayable	
	H3a, H3b	Safety net.	
	Mortgage relief: one-off repayable	
	H4c	Values of loans financed.	
	Home purchase advisory and counselling services: one-off non-repayable	
	H5a	All borrowers are provided with some form of loans counselling prior to getting a new loan.	
	Other: one-off non-repayable	
	H6a, H6c	Cash Assistance Grant.	
			
SA	Direct lending: ongoing repayable	
	H1b	This is the total number of Nunga loans settled for the 2007–08 financial year.	
	Deposit assistance: one-off repayable	
	H2a	HomeStart’s lending policy allows customers to apply First Home Owners Grant funds towards part of their deposit. Acting on previous advice in relation to HPA data this has not been included as a means of deposit assistance.	
	Interest rate assistance: ongoing repayable	
	H3a	HomeStart’s interest rate assistance mechanisms now include two loan types: the Advantage Loan and the EquityStart Loan (for public housing tenants). The Advantage Loan allows eligible applicants to take up a standard HomeStart Loan in conjunction with an Advantage Loan of up to $28,000. Repayments are voluntary and are only required once the standard HomeStart loan is repaid in full. If this situation arises, the Advantage Loan is required to be paid out or converted to a standard HomeStart Loan. 
The EquityStart Loan allows eligible public housing tenants to take up a suitable HomeStart Loan in conjunction with an EquityStart Loan of up to $50,000. Regular repayments on the EquityStart portion are optional and payment can be deferred and paid at the end of the loan period. 
The total value of assistance only includes the Advantage and EquityStart subsidised component of the total loan.	
	H3h, H3i	When a loan is written off the Advantage Loan (or EquityStart Loan) is rolled over to the customer’s primary loan (standard HomeStart loan) so the amount cannot be picked up on its own. Therefore, the approximate amounts of advantage loans written off have been calculated as follows: (Advantage and EquityStart Loan Funds/Total Funds Advanced) x Write Off Amount.	
	Mortgage relief: one-off repayable	
	H4a	HomeStart’s remaining mortgage relief loans were all written off in 2002–03, and this loan type no longer exists at HomeStart.	

2.4 	Outcomes measures
2.4.1 Outcomes 1 and 2: Targeting and affordability
Outcome 1 measures the targeting of assistance to those in need. This outcome was measured via a policy audit of the eligibility criteria for each type of home purchase assistance.
Outcome 2 measures whether the assistance provided is affordable. This outcome was measured via a policy audit of the maximum percentage each household spends on home purchase assistance payments and the definition of assessable income.
2.4.1.1 Direct lending
Direct lending programs reported in the 2007–08 home purchase assistance data collection are outlined in Table 2.4 and eligibility criteria for this program is reported in Table 2.5. The Australian Capital Territory does not appear in these tables as it did not provide direct lending to new clients as a form of home purchase assistance in 2007–08.
Table 2.4: Direct lending program by jurisdiction
Jurisdiction	Program description	
Victoria	Targeting 
Group Self Build Bridging Loan: short-term bridging finance is provided to individual participants to cover the purchase of land, conveyancing and establishment costs and the amount required to build the home. When the house is completed, the bridging loan is refinanced with a long-term home loan from a private sector lender. An asset limit of $15,000 applies. A minimum gross weekly income that demonstrates an ability to service a long-term home loan in the private sector is applied for each project, depending on the costs involved. Current homeowners are not eligible.
Affordability
Repayments are not mandatory during the building phase but voluntary repayments of any amount may be made at any time to reduce the amount of the bridging loan and minimise interest cost.	
Queensland	Targeting
The Queensland Housing Finance Loan is designed to assist people on low to moderate incomes to buy an established house, unit, townhouse or duplex or to build a house. 
The Queensland State Housing Loan is designed to assist Queensland Department of Housing tenants, waitlisted applicants and those eligible to be waitlisted for public housing to purchase the public rental property they are renting or another available Department of Housing owned property. 
A maximum loan to value ratio (LVR) of 95% is permissible at the commencement of both loan schemes.

The Pathways Shared Equity Loan is designed to assist eligible social housing tenants to purchase a minimum 60% share in the property they are currently renting from the department, if available for sale.
Affordability
Direct lending
For Queensland Housing Finance Loan, monthly repayments commence at the lesser of:
•	28% of agreed continued income
•	disposable income
•	the minimum repayment required to repay the loan within the loan term.	
(continued)	
	
Table 2.4 (continued): Direct lending program by jurisdiction	
Jurisdiction	Program description	
Queensland (continued)	For Queensland State Housing Loan, monthly repayments commence at the lesser of:
•	26% of the agreed continued income
•	disposable income,
•	the minimum repayment required to repay the loan within the loan term.
For Pathways Shared Equity Loan, monthly repayments commence at the lesser of:
•	30% of agreed continued income
•	disposable income,
•	the minimum repayment required to repay the loan within the loan term.	
Western Australia	Targeting
Keystart Loan Scheme: offered to low to moderate income earners to a maximum loan of $500,000 loan depending on income.
Access Home Loan Scheme: only offered to households with a disability.
Goodstart Loan Scheme: shared equity scheme, rental tenants and applicants for rental accommodation.
Aboriginal Home Ownership Scheme: shared equity or full purchase scheme, only offered to Indigenous applicants.
Restart: private sector borrowers in difficulty through job loss can refinance their loan into Keystart.
Sole Parent Family Home Loan Assistance: shared equity scheme, private sector borrowers in difficulty through loss of partner.
Affordability
Access Home Loan Scheme: debt commitment repayments (including loan) cannot exceed 23–39% of monthly income.
Aboriginal Home Ownership Scheme: debt commitment repayments (including loan) cannot exceed 23–39% of monthly income.
Keystart Loan Scheme: Total repayments (including loan) do not exceed 36% of monthly income if income is under $35,000, above this income 39%.	
South Australia	Targeting
HomeStart Standard Loan: available to low to moderate income earners to a maximum loan amount based on 120% of the South Australian median house price, rounded to the nearest $10,000 subject to lending criteria.
HomeStart Advantage Loan: a subsidised-rate loan available to increase the borrowing capacity for low income applicants to assist with the purchase of a home in conjunction with a standard HomeStart Loan. If the Advantage Loan is repaid within 5 years, interest is waived. 
HomeStart EquityStart Loan: a subsidised-rate loan of up to $50,000 available to existing public housing tenants, to assist with the purchase of a home in conjunction with a standard HomeStart Loan. Unlike the Advantage Loan, no interest rebate period applies.
HomeStart Breakthrough Loan: a shared appreciation loan to assist with the purchase of a home in conjunction with a standard HomeStart Loan. HomeStart to share a portion of the home’s capital gain once the property is sold.
HomeStart Nunga Loan: a low deposit loan available only to applicants of Indigenous descent.
Affordability
Repayments on a standard HomeStart loan are calculated at up to 36% of assessable income for applicants who take out a maximum loan. The maximum commitment to all debts is 40% of income, including the HomeStart Loan.	
(continued)	
	
Table 2.4 (continued): Direct lending program by jurisdiction	
Jurisdiction	Program description	
Tasmania 	Targeting
Home Ownership Assistance Program: offered to low income earners who are unable to obtain finance from traditional sources. Maximum loan of $120,000. The scheme is now closed to new lending and has been replaced by a Shared Equity product, which involves the Director of Housing being a co-owner in properties with a maximum 25% equity. As a consequence, Tasmania does not provide direct lending to new clients as a form of home purchase assistance as from 30 June 2008.
Affordability
Repayments are initially set at 25% of gross income and are increased annually in line with inflation.	
Northern Territory	Targeting
New schemes introduced on 1 July 2004
HomeNorth Standard Variable Loan: designed to allow low to middle-income earners in the Northern Territory to buy a home by offering a low deposit loan.
HomeNorth Shared Equity Loan: designed to allow low to middle income earners in the Northern Territory to buy a home in partnership with Territory Housing.
HomeNorth Fee Assistance Loan: helps low to middle income earners in the Northern Territory fund the fees required to purchase a home, including stamp duty costs. Up to $1,500 can be used to purchase white goods.
Previous schemes not offered to new applicants as of 1 July 2004.
HomeStart scheme: up to $115,000.
HomeShare scheme: for public housing tenants.
Affordability
Home loan repayments must be less than 30% of gross income. Total loan commitment must not exceed 40% of gross income and there must be at least 10% of net income remaining after all loan commitments and living expenses.	

Table 2.5: Direct lending eligibility criteria by jurisdiction
Eligibility criteria	Vic	Qld	WA	SA	Tas	NT	
Gross weekly income limit(a)	y	y	y	y	y	y	
Property value limit(b)	. .	y	y	. .	. .	y	
Minimum deposit(c)	. .	y	y	y	y	y	
Additional savings to cover fees, legals etc.(d)	. .	y	. .	. .	. .	. .	
Demonstrated savings pattern(e)	. .	y	. .	y	y	. .	
Good credit history	y	y	y	y	y	y	
No significant other debts/ other financial commitments cannot exceed(f)	y	y	y	y	y	y	
Employment terms(g)	. .	y	. .	y	. .	y	
Citizen or permanent resident of Australia	y	y	y	y	y	y	
Resident of the relevant state	y	y	y	y	y	y	
Cannot own or part own a home or land	y	y	y	y	y	y	
Minimum age (years)(h)	18	18	18	18	18	18	
Loan must be used to purchase or build a home in relevant state, and client must live in this home	y	y	y	y	y	y	
y	Indicates that the requirement is part of the eligibility criteria for the jurisdiction.
(a) 	Vic—must be able to serve a private sector long-term home loan, an asset limit of $15,000 applies. 
Qld—$1,298. 
WA—$1,153 for shared equity loan; $3,269 for normal 100% loan. Income limit is dependent on household composition and location within the jurisdiction. 
SA—no income limits except for Advantage loan for which income limit is $750. 
Tas—$825. 
NT—$1,057 for singles; $1,442 for singles with 1 or 2 dependants then increasing by $192 for each additional dependant, $1,250 for couples then increasing by $192 for each additional dependant. 
(b) 	Qld —$350,000.
WA—$365,000 for shared equity loan; $500,000 for normal 100% loan. 
SA—minimum property value of $40,000. 
NT—maximum property value limit of $350,000 for Darwin area introduced on 6 May 2008. Other property value limits apply to other areas outside Darwin. No limit for tenants purchasing a public housing property who have rented for 5 years or more.
(c) 	Qld—5% of purchase price, $2000 for shared equity loan. 
WA—greater of $2,000 or 2% of purchase price. 
SA—minimum deposit required is 5% of purchase price (refers to standard loan). No deposit loans are available, subject to lending criteria. 
Tas—greater of $3,000 or 5% of purchase price. 
NT—2% of share purchase price.
(d) 	Qld—$2,000–$5,000.
(e) 	Qld—minimum of 3 months. 
WA—not required however bank statements for 3 months are requested. 
SA—$1,000 over saving for 3 months, or minimum existing equity of $1000, or a clear 12 months rental history to be provided. 
Tas—minimum of $1,000.
(f) 	Qld—all repayments for other debts are deducted from assessed gross monthly income. Borrowing capacity is then based on the reduced income figure. 
WA—cannot exceed 5% of assessable income. 
SA—maximum commitment to all debts, including HomeStart loan, must not exceed 40% of income; client must not be an undischarged bankrupt.
Tas—cannot exceed 5% of assessable income and client must not be an undischarged bankrupt.
NT—all financial commitments must not exceed 40% of gross income including the mortgage repayments associated with the home loan. Bankrupts must have been discharged for at least 2 years. 
(g) 	Qld—if employed, must be employed for 12 months for permanent or part-time employee, 2 years for casual, 3 years for self-employed or those on commission. 
Tas—if employed, must be in current employment for a minimum of 6 months. 
NT—permanent full-time and part-time employment - 3 months in current position; permanent casual employment - 6 months in current position; casual employment - 12 months in current position; contract employment - 6 months in current position and at least 6 months remaining.
(h) 	Qld—while there is no maximum age limit, age is relevant to an applicant’s ability to sustain repayments for the full term.
2.4.1.2 Deposit assistance
Deposit assistance programs reported in the 2007–08 home purchase assistance data collection are reported in Table 2.6, and eligibility criteria for these programs are reported in Table 2.7.  Only Queensland and Tasmania appear in these tables as they were the only jurisdictions to provide this form of assistance during 2007–08.
Table 2.6: Deposit assistance by jurisdiction
Jurisdiction	Description	
Queensland	Targeting
Deposit assistance is offered in conjunction with the Queensland State Housing Loan, and is a 
non-repayable grant of 50% of the minimum 5% deposit.
Affordability
Deposit Assistance Grant associated with Queensland State Housing Loan—Non-repayable.	
Tasmania	Targeting
Deposit assistance is provided under the Streets Ahead Incentive Program. The incentive is a $6,000 flat rate deposit grant to assist eligible low to moderate income earners to purchase surplus houses from the Director of Housing or to purchase House and Land packages developed by the Director.
Affordability
Repayable only if the property is sold within three years or if the property is not the residential address of the recipient of assistance. Loan finance is provided by banks and lending institutions—affordability is determined by lender.	

Table 2.7: Deposit assistance eligibility criteria by jurisdiction
Eligibility criteria	Qld	Tas	
Gross weekly income limit(a)	y	y	
Property value limit	. .	. .	
Not previously owned property in the relevant jurisdiction	. .	. .	
Existing housing tenant or eligible to be housing tenant	y	y	
y	Indicates that the requirement is part of the eligibility criteria for the jurisdiction.
(a)	Qld—$1,298. 
           Tas—Income limits are $849–$1,689 depending on household composition.

2.4.1.3 Interest rate assistance
Interest rate assistance programs reported in the 2007–08 home purchase assistance data collection are reported in Table 2.8 and eligibility criteria for these programs are reported in Table 2.8. New South Wales, Victoria, Tasmania, the Australian Capital Territory and the Northern Territory do not appear in these tables as they did not provide interest rate assistance to new clients as a form of home purchase assistance during 2007–08.
Table 2.8: Interest rate assistance program by jurisdiction
Jurisdiction	Program description	
Queensland	Targeting
Queensland State Housing Loans: the interest rate is capped at 1% below the standard variable rate at the time of the loan’s approval for 5 years. 
Affordability
Non-repayable. 	
Western Australia	Targeting
Interest rate assistance through the Safety Net Program is available to all Keystart borrowers (full home ownership and the various shared equity schemes) who suffer a temporary drop in income.  Under the program, repayments (in some cases the interest rate where required) is reduced for a period of 3 to 6 months after which time their situation is reassessed and options determined.
Affordability
One-off non-repayable	
South Australia	Targeting
Interest rate assistance is provided via the HomeStart Advantage Loan; a subsidised-rate loan that is available to increase the borrowing capacity for low income applicants to assist with the purchase of a home in conjunction with a standard HomeStart Loan. Interest is charged to the loan at a rate equivalent to the Consumer Price Index (CPI). If the Advantage Loan is repaid within 5 years, interest is waived, otherwise it continues to accrue at a rate equivalent to CPI.
Interest rate assistance is also provided via the HomeStart EquityStart Loan; a subsidised-rate loan of up to $50,000 that is available to existing public housing tenants to assist with the purchase of a home in conjunction with a standard HomeStart Loan. Unlike the Advantage Loan, no interest rebate period applies. Program is limited.
Affordability
Advantage loan: no scheduled repayments although any voluntary payments greater than $20 must be directed to the Advantage Loan before the primary HomeStart Loan.	
Table 2.9: Interest rate assistance eligibility criteria by jurisdiction 
Eligibility criteria 	Qld	WA	SA	
Gross weekly income limit(a)	y	y	y	
Property value limit	. .	. .	. .	
Finance obtained from a private lender	. .	. .	. .	
Not previously owned property in the relevant jurisdiction	. .	. .	. .	
(a)	Qld—$1,298. 
SA—$750.

2.4.1.4 Mortgage relief
Mortgage relief programs reported in the 2007–08 home purchase assistance data collection are reported in Table 2.10 and eligibility criteria for these programs is reported in Table 2.11. South Australia, Tasmania and the Northern Territory do not appear in these tables as they did not provide mortgage relief to new clients as a form of home purchase assistance in 2007–08.
Table 2.10: Mortgage relief by jurisdiction
Jurisdiction	Description	
New South Wales	Targeting
$20,000 (assistance does not exceed 1 year).
Affordability
Client’s income, assets and liabilities are assessed to determine overall capacity to commence repayments. Where current mortgage and other credit commitments do not exceed 36% of the client’s gross income, the client is requested to commence repayments. The level of repayments is determined by the difference between the client’s mortgage and other credit commitments and 36% of their gross income.
Where the client is unable to commence repayments, as their mortgage and other credit commitments exceed 36% of their gross income, the client is granted a deferment of up to 18 months.
Where the client has no prospect of repaying the debt, the debt may be classified as ‘dormant’ with recovery reliant on the caveat previously placed on the title to the mortgaged home. In certain circumstances, the loan may be converted to a grant.	
Victoria	Targeting
$15,000 to borrowers with loans from private sector lenders who are experiencing difficulty with mortgage repayments due to change in circumstances that affect their income, but who have the potential to resume normal loan repayments after a maximum period of 2 years.
Affordability
Repayments can be made by the way of lump sum or at the rate of $100 per month. An applicant can request up to a 2-year deferral on repayments after assistance has ceased.	
Queensland	Targeting
A maximum of $12,000 is available for home purchasers whose financial circumstances have deteriorated, but who are able to demonstrate a potential to recover. Repayments are not required for the first 12 months, but subsequently regular monthly repayments are required over a 10-year term. The loan is interest free.
Affordability
Repayments are not required for the first 12 months, and then regular monthly repayments are required. The loan is repayable over a 10-year term and is interest free.	
Western Australia	Targeting
New Shared Equity Scheme for sole parents to help them retain their family home. Eligibility criteria not displayed in this table, however further details about the Western Australian Shared Equity Scheme can be obtained from <www.dhw.wa.gov.au>.
Affordability
Non-repayable	
Australian Capital Territory	Targeting
All ACT government home buyer lending for public housing tenants ceased in 1996. Mortgage relief in the form of deferred assistance may be available to those who had a mortgage on their government home at the time this scheme ceased. If the standard monthly instalment is greater than 27% of a mortgagor’s household income the mortgagor may be eligible for deferred assistance. Repayments are set at 27% of income until all deferred assistance is repaid. 
Affordability
All ACT government home buyer lending for public housing tenants ceased in 1996. Mortgage relief in the form of deferred assistance may be available to those who had a mortgage on their government home at the time this scheme ceased. If the standard monthly instalment is greater than 27% of a mortgagor’s household income the mortgagor may be eligible for deferred assistance. Repayments are set at 27% of income until all deferred assistance is repaid.	
Table 2.11: Mortgage relief eligibility criteria by jurisdiction
Eligibility criteria	NSW	Vic	Qld	ACT	
Gross weekly income limit ($)(a)	y	. .	. .	. .	
Cannot own any other real estate	y	y	y	. .	
Available resources exhausted 	y	y	y	y	
Experienced unavoidable change in circumstances for which preparations couldn’t be made	y	y	y	y	
Financially distressed and in danger of losing home	y	y	y	y	
Other financial commitments must not impinge on ability to maintain required mortgage repayments(b)	y	y	y	y	
Mortgage value limit(c)	y	y	. .	. .	
Property value limit(d)	y	. .	y	. .	
Mortgage repayments must exceed percentage of income(e)	y	y	y	. .	
Commitment to mortgage repayments(f)	y	y	y	. .	
Property must be located in the relevant state(g)	y	y	y	y	
Applicant must reside in the mortgaged property(h)	y	y	y	y	
No previous default on repayment of mortgage assistance(i)	y	y	y	. .	
y 	Indicates that the requirement is part of the eligibility criteria for the jurisdiction.
(a) 	NSW—$1,731.
(b) 	Vic—must be less than 12% of gross income. 
Qld—other commitments secured by a registered mortgage considered in the assessment.
(c)	NSW—maximum of $350,000 and less than 90% property mortgaged. 
Vic—maximum original mortgage loan must not exceed 90% of the Valuer General’s metropolitan median house price. This figure is reviewed annually. 
(d) 	NSW—$500,000. 
Qld—$450,000.
(e)	NSW—36% of gross income. 
Vic—27% of gross income. 
	Qld—30% of gross income.
(f)	NSW—demonstrated by maintaining regular monthly repayments of at least 27% of gross household income over the preceding 6 months. 
Qld—applicants must be maintaining repayments equivalent to 30% of the reduced income.
(g)	ACT—existing potential applications all located in the ACT.
(h) 	ACT—subletting can occur under special circumstances.
(i)	Vic—no outstanding repayment of mortgage assistance.
2.4.1.5 Home purchase advisory and counselling
New South Wales and Western Australia provided home purchase advisory and counselling services during 2007–08. Home purchase advisory and counselling services are not subject to any eligibility criteria. Tasmania provides independent financial counselling to Tasmanians who meet eligibility criteria under its Streets Ahead Incentive Program and HomeShare. 

2.4.1.6 Other forms of assistance
The following other forms of home purchase assistance were available in some jurisdictions during 2007–08.
Table 2.12: Other forms of home purchase assistance provided by jurisdictions
Jurisdiction	Program description	
Victoria	Home renovation loans
Loans of up to $25,000 to homeowners and up to $2,000 for private renters at subsidised interest rates approximately 2% p.a. below commercial rates are available to eligible people who are elderly and/or disabled, or caring for a person with a disability, to assist with the cost of home renovations, modifications and maintenance relating to health and safety issues which have been identified via a free home inspection report from a qualified professional that is provided under the Home Renovation Inspection Service.
Eligibility criteria:
•	Commonwealth Health Care Card or Pension Card
•	applicant must be elderly (60+), a disabled home owner, or a carer for a person with a disability
•	loans are advanced in relation to health and safety issues only
•	total monthly commitments including the proposed home renovation loan, credit cards and existing personal and home loans cannot exceed 25% of gross monthly income.
In CSHA home purchase assistance data collections prior to 2002–03 this program was counted under the ‘direct lending’ program. In the 2006–07 data collection it has been included under the ‘other’ program due to a reclassification of this program by the jurisdiction. Caution, therefore, should be exercised when comparing the 2006–07 data with data from 2002–03 and previous collections.
Shared Home Ownership Scheme (SHOS)
Co-owners who wish to purchase further shares from the Director of Housing may do so at any time. If co-owners wish to purchase further shares with loan assistance from the Director, a new SHOS arrangement will replace the existing arrangement.
	
Queensland	Special Assistance Grant – abolished in February 2008 
Applicants who apply for a housing loan may also be eligible for a Special Assistance Grant. Two types of grants are available.
Modifications and Assistance Grant:
•	available to people with disabilities and families with a disabled family member to assist with modifications to the home to increase safety or to assist with deposit or fees. Up to 50% of the grant can be used for a deposit or fees
•	maximum grant is $10,000.
Aboriginal, Torres Strait Islander and Australian South Sea Islanders Grant:
•	available to applicants of Aboriginal, Torres Strait Islander or Australian South Sea Islander descent
•	maximum grant of $5,000 to assist with the costs of purchasing a home.	
Western Australia	Cash assistance
Up to $3,000 is provided to assist purchasers with the up-front fees associated with the purchase of a home through specialist shared-equity schemes, if not eligible for the First Home Owner Scheme. 	
South Australia	Low deposit loans and assistance to public housing tenants
HomeStart’s Low Deposit Loan, Graduate Loan, and Nunga Loan enable borrowers, who meet HomeStart’s lending criteria, to borrow up to 100% of the value of the property being purchased.
HomeStart’s EquityStart Loan is a subsidised-rate loan of up to $50,000 that is available to existing public housing tenants to assist with the purchase of a home in conjunction with a standard HomeStart Loan. 
HomeStart’s Breakthrough Loan, which is taken out with a standard HomeStart Loan (including Low Deposit, Graduate and Nunga Loans), allows a customer to borrow up to 35% more without increasing monthly loan repayments. HomeStart will share a portion of the home’s capital gain once the property 
is sold.	
(continued)	
Table 2.12 (continued): Other forms of home purchase assistance provided by jurisdictions	
Jurisdiction	Program description	
Tasmania	Essential maintenance packages and Shared Equity (HomeShare)
Up to $2,000 financial assistance is available to households who purchase a house from the Director of Housing through Housing Tasmania. The financial assistance or ‘Essential Maintenance Package’ is provided in the event that an essential major component in the home fails. Purchasers are able to apply for the assistance for 2 years after the completion of the sale of the property. 	
2.4.1.7 Definition of assessable income
Table 2.13 reports the income which jurisdictions consider when they determine assessable income for the purpose of home purchase assistance. 
Table 2.13: Jurisdiction’s definition of assessable income 
Income source	NSW	Vic	Qld	WA	SA	Tas	ACT	NT	
Centrelink payments(a)	y	y	y	y	y	y	y	y	
Gross wages(b)	y	y	y	y	y	y	y	y	
Veterans’ Affairs Pensions	y	. .	y	y	. .	. .	y	y	
Net profits for self-employed	y	y	y	y	y	y	y	y	
Workcover and other compensation payments(c)	y	y	y	y	y	y	y	. .	
Child maintenance payments(d)	y	y	y	y	y	y	y	y	
Housing allowance (e)	y	. .	. .	. .	. .	. .	. .	y	
Rent(f)	y	. .	. .	. .	. .	. .	. .	. .	
y	Indicates that the income source is included in the definition of assessable income for the jurisdiction.
(a) 	Inclusion of payment types vary between jurisdictions. 
NSW—all except the Family Tax Payment (assessed as Part A 75% and Part B 45%). 
Qld—all non-specific purpose payments and part-payments of pensions and benefits may be included in the agreed continued income. However, a pension or benefit provided for medical treatment, medication or basic family payment would not be included. 
ACT—includes Centrelink payments, including Family Tax Benefit Part A, parenting payments and child maintenance payment, but excludes Pension Basic Supplement, Pharmaceutical Allowance and Carer’s Allowance. 
NT—includes Age Pension, 100% of gross Base Rate of Family Tax Benefit Part A and Parenting Payment if children are under 10 years of age, otherwise 30% is used, Carer Payment, Disability Pension, District Allowance, Newstart Allowance (as a supplement to other income).
(b)	Including overtime, shift allowances and bonuses; before tax instalments, superannuation and union fees are deducted. 
Vic—overtime will only be included as assessable income where earned on a regular basis. 
Qld—penalty rates, overtime, part-time work, second jobs and casual work must be identified as being sustainable over a two year period for inclusion. 
Tas—overtime only included if it has been regular for the past 6 months, only 50% of overtime and penalties are included. 
NT—also includes Defence Forces Income and First Aid Allowance.
(c)	Included to determine eligibility; affordability is assessed on a case by case basis.
(d)	NT—only included if registered with Child Support Agency and 6 months consistent payments can be evidence via bank account statements. 
(e) 	NT—also includes Police Housing Allowance.
(f) 	NT—cannot own an investment property.

2.4.2 Outcome 3: Customer satisfaction 
Customer satisfaction data is not currently collected.

2.4.3 Outcome 4: Efficient use of assets
Table 2.14: Number and value of arrears, bad debts, other losses written off and level of provision for doubtful debts, 2007–08
Efficient use of assets	NSW	Vic	Qld	WA	SA	Tas	ACT	NT	Total	
Measure 1: Number and value of arrears at 30 June 2008	
HAR1	Value of loan portfolio balance in arrears >60 days and <90 days at 
30 June 2008 ($’000)	1,046	545	165	2,192	3,900	1,142	7	269	9,266	
HAR2	Number of all arrears 
>60 days and <90 days at 30 June 2008	17	15	7	18	36	25	5	3	126	
HAR3	Value of loan portfolio balance in arrears
≥90 days at 30 June 2008 ($’000)	2,312	1,770	238	2,582	5,903	64	113	1,028	14,010	
HAR4	Number of all arrears 
≥90 days at 30 June 2008	29	38	46	22	53	2	27	8	225	
HAR5	Value of loan portfolio balance in arrears 
>60 days at 30 June 2008 ($’000)	3,358	2,315	403	4,774	9,803	1,206	120	1,297	23,276	
HAR6	Number of all arrears >60 days at 30 June 2008	46	53	53	40	89	27	32	11	351	
HAR7	Total loan portfolio balance at 30 June 2008 ($’000)	36,300	68,546	35,120	1,508,308 	1,215,787	11,724	9	135,476	3,011,270	
HAR8	Total number of loans outstanding at 30 June 2008	677	2,740	2,263	12,179	13,096	690	278	1,369	33,292	
Percentage of number and value of arrears at 30 June 2008	
1a	The percentage of the value of arrears >60 days and <90 days to loan portfolio balance (%)	2.9	0.8	0.5	0.2	0.3	0.1	0.1	0.2	0.3	
1b	The percentage of the number of arrears 
>60 but <90 days to loan outstanding (%)	2.5	0.5	0.3	0.2	0.3	0.0	1.8	0.2	0.4	
1c	The percentage of the value of arrears ≥90 days to loan portfolio balance (%)	6.4	2.6	0.7	0.2	0.5	0.1	1.3	0.8	0.5	
1d	The percentage of the number of arrears 
≥90 days to loan outstanding (%)	4.3	1.4	2.0	0.2	0.4	0.0	14.8	0.4	0.7	
1e	The percentage of the value of all arrears to loan portfolio balance (%)	9.3	3.4	1.2	0.3	0.8	3	1.4	1.0	0.8	
(continued)	
Table 2.14 (continued): Number and value of arrears, bad debts, other losses written off and level of provision for doubtful debts, 2007–08	
Efficient use of assets	NSW	Vic	Qld	WA	SA	Tas	ACT	NT	Total	
Percentage of number and value of arrears at 30 June 2008 (continued)	
1f	The percentage of the number of all arrears to loan outstanding (%)	6.8	1.9	2.3	0.3	0.7	4	16.5	0.6	1.1	
Measure 2: Number of bad debts and write-offs for year ending 30 June 2008	
HDW
(n)	Number of unrecoverable debts written off for year ending 30 June 2007	0	6	0	8	22	0	0	n.a.	36	
HDW
(v)	Value of unrecoverable debts written off for year ending 30 June 2007 ($’000)	0	66	0	153	152	0	0	n.a.	371	
Measure 3: Level of provision for doubtful debts for year ending 30 June 2008	
HD1	General provision for doubtful debts for year ending 30 June 2008 ($’000)	14	599	0	0	10,440	0	5,600	170	16,823	
HD2	Specific provision for doubtful debts for year ending 30 June 2008 ($’000)	2	206	0	857	1,332	0	0	0	2,397	
Level of provision for doubtful debts as at 30 June 2008	
HD3	Total loan portfolio value at 30 June 2008 ($’000)	40,921	68,546	35,148	1,508,308	1,215,787	0	8,849	135,476	3,013,035	
Percentage of the level of provision for doubtful debts	
3a	General provision for doubtful debts as a percentage of portfolio value (%)	0	0.9	0.0	n.a.	0.9	0.0	63.3	0.1	0.6	
3b	Specific provision for doubtful debts as a percentage of portfolio value (%)	0	0.3	0.0	0.0	0.1	0.0	0.0	0.0	0.1	
NSW	HAR1– HAR8	HomeFund loans only. (Arrears data in the required format is not available for Home Purchase Assistance Authority and Mortgage Assistance Scheme loans.)	
	HDW(n)	Mortgage portfolio: 0. Mortgage Assistance Scheme: $0.	
	HDW(v)	Mortgage portfolio: 0. Mortgage Assistance Scheme: $0.	
	HD1	Mortgage portfolio: 0. Mortgage Assistance Scheme: $0.014 million.	
	HD2	Mortgage portfolio: 0. Mortgage Assistance Scheme: $0.002 million.	
	HD3	HomeFund loans: $36.3 million. Home Purchase Assistance Account loans: $0.7 million. Mortgage Assistance Scheme 
loans: $3.921 million.	
Vic	HAR7	Figure excludes the general and specific provisions for doubtful debts, allowance for return on equity (ROE) and allowance for deferred loan balance subsidy. Unique to Home Finance, the allowance for ROE provides for the potential outlay arising from the payment made to eligible clients for their initial equity return upon sale of their property from sale proceeds thereby potentially exposing Department of Housing to a shortfall. For information purposes there was nil ROE write-off for the year ending 30 June 2007.	
	HD2	Figure includes the provision for nominal accounts. These accounts hold the excess of clients’ loan balances over their current estimated property values. The balance held in the nominal account is interest free but must eventually be repaid.	
Qld	HAR3	Includes arrears of $38,000 on mortgage relief loans.	
	HAR4	Includes 13 mortgage relief loans.	
	HAR5	Includes arrears of $50,000 on mortgage relief loans.	
	HAR6	Includes 14 mortgage relief loans.	
	HAR7	Includes $220,000 for mortgage relief loans.	
	HAR8	Includes 40 mortgage relief loans.	
SA	HAR1	Arrears calculations are based on the number of monthly instalments missed, rather than time periods. Therefore, an account with arrears code 2 represents 2 missed monthly instalments. Consequently the implication is that this customer is over 60 days in arrears. Arrears figures are based on HomeStart’s portfolio.	
	HAR7	Included are those products in the total loan portfolio that are considered part of the standard HomeStart loan program. This includes the following products: Construction, Split Variable, Established, Refinance, Rosewood, Seniors, Fixed Rate, City Loan, Low Deposit, Carers Home Maintenance, Investor, Graduate, Investor Select, Land Construction, Nunga, Seniors Extension, and Bridging loans. Those loan products excluded are deemed to be outside the standard HomeStart loan program. These constitute loan portfolios that HomeStart currently manages but which are no longer available to new customers (Rental Purchase and HOME loans), loan products for special interest groups (loans to aged care providers, SACHA loans, P&I Community Loan) and loans to staff.	
	HD1	The general provision for doubtful debts was transferred to the collective impairment provision on adoption of the new International Finance and Reporting Standards at 1 July 2005. This figure is the closing balance of the collective impairment provision.	

3 	Details of data items and summary indicators and reporting structure
3.1 Reporting structure
Home purchase assistance data items are disaggregated by six types of assistance programs:
•	direct lending (H1)
•	deposit assistance (H2)
•	interest rate assistance measures (H3)
•	mortgage relief (H4)
•	home purchase advisory and counselling services (H5)
•	other forms of assistance (H6).
The reporting structure for the home purchase assistance collection allows data for each assistance program type to be reported according to the form of assistance provided.
The forms of assistance were defined as:
•	one-off assistance refers to assistance that aims to meet a specific event, such as direct lending or deposit assistance for the purchase of a home
•	ongoing assistance refers to assistance that covers a specific length of time, such as interest rate assistance measures for a 6-month period
•	assistance is repayable when the client has an obligation to repay, in part or full, the value of assistance provided. The repaying of assistance can be delayed for a period of time (for example, 12 months after the loan was provided)
•	assistance is non-repayable when the client has no obligation to repay any of the value of the assistance provided.
Jurisdictions were required to provide data according to the form of home purchase assistance that was available in their jurisdiction. For example, if deposit assistance was only one-off repayable, only data items for this form of assistance were required to be provided. If deposit assistance was both one-off repayable and an ongoing repayable, the relevant data items for each form of assistance were provided.
The data items collected for each form of assistance are outlined in Figure 1.

Figure 1: CSHA home purchase assistance data collection items, 2007–08
Flow chart diagram.
(a) The AIHW does not collect all items for this form of assistance.

3.2 Data items
Direct lending—One-off repayable	
	H1a	Total number of new households assisted for year ending 30 June 2008	
	H1b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H1c	Total value of assistance provided for year ending 30 June 2008	
	H1f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H1g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H1h	Total number of instances where unrecoverable debts were written-off for year ending 30 June 2008	
	H1i	Total value of unrecoverable debts written-off for year ending 30 June 2008	
Direct lending—Ongoing repayable	
	H1a	Total number of new households assisted for year ending 30 June 2008	
	H1b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H1c	Total value of assistance provided for year ending 30 June 2008	
	H1d	Total number of all households assisted for year ending 30 June 2008	
	H1e	Total number of all Indigenous households assisted for year ending 30 June 2008	
	H1f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H1g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H1h	Total number of instances where unrecoverable debts were written-off for year ending 30 June 2008	
	H1i	Total value of unrecoverable debts written-off for year ending 30 June 2008	
Deposit assistance—One-off repayable	
	H2a	Total number of new households assisted for year ending 30 June 2008	
	H2b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H2c	Total value of assistance provided for year ending 30 June 2008	
	H2f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H2g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H2h	Total number of instances where unrecoverable debts were written-off for year ending 30 June 2008	
	H2i	Total value of unrecoverable debts written-off for year ending 30 June 2008	
Deposit assistance—One-off non-repayable	
	H2a	Total number of new households assisted for year ending 30 June 2008	
	H2b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H2c	Total value of assistance provided for year ending 30 June 2008	
Interest rate assistance—Ongoing repayable	
	H3a	Total number of new households assisted for year ending 30 June 2008	
	H3b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H3c	Total value of assistance provided for year ending 30 June 2008	
	H3d	Total number of all households assisted for year ending 30 June 2008	
	H3e	Total number of all Indigenous households assisted for year ending 30 June 2008	
	H3f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H3g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H3h	Total number of instances where unrecoverable debts were written-off for year ending 30 June 2008	
	H3i	Total value of unrecoverable debts written-off for year ending 30 June 2008	
Interest rate assistance—Ongoing non-repayable	
	H3a	Total number of new households assisted for year ending 30 June 2008	
	H3b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H3c	Total value of assistance provided for year ending 30 June 2008	
	H3d	Total number of all households assisted for year ending 30 June 2008	
	H3e	Total number of all Indigenous households assisted for year ending 30 June 2008	
Mortgage relief—One-off repayable	
	H4a	Total number of new households assisted for year ending 30 June 2008	
	H4b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H4c	Total value of assistance provided for year ending 30 June 2008	
	H4f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H4g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H4h	Total number of instances where unrecoverable debts were written-off for year ending 30 June 2008	
	H4i	Total value of unrecoverable debts written-off for year ending 30 June 2008	
Mortgage relief—One-off non-repayable	
	H4a	Total number of new households assisted for year ending 30 June 2008	
	H4b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H4c	Total value of assistance provided for year ending 30 June 2008	
Mortgage relief—Ongoing repayable	
	H4a	Total number of new households assisted for year ending 30 June 2008	
	H4b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H4c	Total value of assistance provided for year ending 30 June 2008	
	H4d	Total number of all households assisted for year ending 30 June 2008	
	H4e	Total number of all Indigenous households assisted for year ending 30 June 2008	
	H4f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H4g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H4h	Total number of instances where unrecoverable debts were written-off for year ending 30 June 2008	
	H4i	Total value of unrecoverable debts written-off for year ending 30 June 2008	
Home purchase advisory and counselling services—One-off non-repayable	
	H5a	Total number of new households assisted for year ending 30 June 2008	
	H5b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H5c	Total value of assistance provided for year ending 30 June 2008

Other forms of assistance—One-off repayable	
	H6a	Total number of new households assisted for year ending 30 June 2008	
	H6b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H6c	Total value of assistance provided for year ending 30 June 2008	
	H6f	Total number of households with outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H6g	Total value of outstanding repayable monies at 30 June 2008 for assistance provided in a previous financial year	
	H6h	Total number of instances where unrecoverable debts were written-off for year ending 30 June 2008	
	H6i	Total value of unrecoverable debts written-off for year ending 30 June 2008	
Other forms of assistance—One-off non-repayable	
	H6a	Total number of new households assisted for year ending 30 June 2008	
	H6b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H6c	Total value of assistance provided for year ending 30 June 2008	
3.3 Outcome measures
Measure 1: Number and value of arrears	
	HAR1	Value of loan portfolio balance in arrears greater than 60 days and less than 90 days at 30 June 2008	
	HAR2	Number of all arrears greater than 60 days and less than 90 days at 30 June 2008	
	HAR3	Value of loan portfolio balance in arrears greater than or equal to 90 days at 30 June 2008	
	HAR4	Number of all arrears greater than or equal to 90 days at 30 June 2008	
	HAR5	Value of loan portfolio balance in arrears greater than 60 days at 30 June 2008	
	HAR6	Number of all arrears greater than 60 days at 30 June 2008	
	HAR7	Total loan portfolio balance at 30 June 2008	
	HAR8	Total number of loans outstanding at 30 June 2008	
Measure 2: Number of bad debts and write-offs	
	HDW(n)	Number of unrecoverable debts written-off for year ending 30 June 2008	
	HDW(v)	Value of unrecoverable debts written-off for year ending 30 June 2008	
Measure 3: Level of provision for doubtful debts	
	HD1	General provision for doubtful debts for year ending 30 June 2008	
	HD2	Specific provision for doubtful debts for year ending 30 June 2008	
	HD3	Total loan portfolio value at 30 June 2008	

3.4 Details of efficient use of assets indicators
3.4.1 Measure 1: Number and value of arrears
This indicator measures efficient account management by allocation groups. The six sub-measures of the indicator are: 

•	The percentage of the value of arrears greater than 60 days but less than 90 days to total loan portfolio balance, calculated as: 1a = (HAR1 times 100) over HAR7
where:
–	HAR1 is the value of loan portfolio balance in arrears greater than 60 days and less 
than 90 days at 30 June 2008
–	HAR7 is the total loan portfolio balance at 30 June 2008
•	The percentage of the number of arrears greater than 60 days but less than 90 days to total number of loans outstanding, calculated as: 1b = (HAR2 times 100) over HAR 8
–	HAR2 is the number of all arrears greater than 60 days and less than 90 days at 
30 June 2008
–	HAR8 is the total number of loans outstanding at 30 June 2008
•	The percentage of the value of arrears greater than or equal to 90 days to total loan portfolio balance, calculated as: 1c = (HAR3 times 100) over HAR7
–	HAR3 is the value of loan portfolio balance in arrears greater than or equal to 
90 days at 30 June 2008
–	HAR7 is the total loan portfolio balance at 30 June 2008
•	The percentage of the number of arrears greater or equal to 90 days to total number of loans outstanding, calculated as: 1d = (HAR4 times 100) over HAR8
–	HAR4 is the number of all arrears greater than or equal to 90 days at 30 June 2008
–	HAR8 is the total number of loans outstanding at 30 June 2008
•	The percentage of the value of all arrears to total loan portfolio balance, calculated as: 1e = (HAR5 times 100) over HAR7
–	HAR5 is the value of loan portfolio balance in arrears greater than 60 days at 
30 June 2008
–	HAR7 is the total loan portfolio balance at 30 June 2008
•	The percentage of the number of all arrears to the total number of loans outstanding, calculated as: 1f = (HAR6 times 100) over HAR8
–	HAR6 is the number of all arrears greater than 60 days at 30 June 2008
–	HAR8 is the total number of loans outstanding at 30 June 2008

3.4.2 Measure 3: Level of provision for doubtful debts
This indicator measures adequate provisions for high risk and non-performing loans. The two sub-measures of the indicator are:
•	General provision for doubtful debts as a percentage of total loan portfolio value calculated as: 3a = (HD1 times 100) over HD3
–	HD1 is the general provision for doubtful debts for year ending 30 June 2008
–	HD3 is the total loan portfolio value at 30 June 2008
•	Specific provision for doubtful debts as a percentage of total loan portfolio value, calculated as: 3b = (HD2 times 100) over HD3
–	HD2 is the specific provision for doubtful debts for year ending 30 June 2008
–	HD3 is the total loan portfolio value at 30 June 2008

4 	General notes
4.1 Changes to the 2007–08 data collection
There were no changes from the previous year to the specifications of data items collected 
for 2007–08.
4.2 Data qualifications
In addition to minor qualifications detailed in the footnotes, the following qualifications apply to the reported data.
•	Where a jurisdiction offers multiple forms of assistance for an assistance program, a household may be counted more than once. For example, if a jurisdiction offers both 
one-off repayable and ongoing repayable mortgage relief, a household will be counted twice if they accessed both forms of assistance in the financial year. The number of instances of assistance provided to households is therefore the proxy for the number of households assisted.
•	National totals are calculated using only those states and territories where information is available. Due to the sparse coverage of national data in relation to particular assistance program types, not all jurisdictions will be represented in the national totals.
4.3 Indigenous identification 
Reporting about the Indigenous status of new and all households assisted was variable because of data availability issues. Data on Indigenous recipients of home purchase assistance were not available for the following current assistance program types in the following jurisdictions (Table 4.1). See footnotes at Table 2.3 for details.
Table 4.1: No Indigenous identification in current assistance programs by form of assistance, by jurisdiction, CSHA home purchase assistance, 2007–08
Jurisdiction	Program description	
New South Wales	Mortgage relief—One-off repayable	
	H4b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	Mortgage relief—Ongoing repayable	
	H4b	Total number of new Indigenous households assisted for year ending 30 June 2008	
 	H4e	Total number of all Indigenous households assisted for year ending 30 June 2008	
	Home purchase advisory and counselling services—One-off non-repayable	
	H5b	Total number of new Indigenous households assisted for year ending 30 June 2008	
(continued)	
Table 4.1 (continued): No Indigenous identification in current assistance programs by form of assistance, by jurisdiction, CSHA home purchase assistance, 2007–08	
Jurisdiction	Program description	
Victoria	Direct lending—One-off repayable	
	H1b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	Direct lending—Ongoing repayable	
	H1b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H1e	Total number of all Indigenous households assisted for year ending 30 June 2008	
	Mortgage relief—Ongoing repayable	
	H4b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H4e	Total number of all Indigenous households assisted for year ending 30 June 2008	
	Other forms of assistance—One-off repayable	
	H6b	Total number of new Indigenous households assisted for year ending 30 June 2008	
Queensland	Interest rate assistance: Ongoing non-repayable	
	H3b	Total number of new Indigenous households assisted for year ending 30 June 2008	
Western Australia	Mortgage relief—One-off repayable	
	H4b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	Other forms of assistance—One-off repayable	
	H6b	Total number of new Indigenous households assisted for year ending 30 June 2008	
Australian Capital Territory	Mortgage relief—Ongoing repayable	
	H4b	Total number of new Indigenous households assisted for year ending 30 June 2008	
	H4e	Total number of all Indigenous households assisted for year ending 30 June 2008	
4.4 Scope
Variation exists between jurisdictions regarding the types of home purchase assistance offered. Table 4.2 outlines the coverage for each jurisdiction.
Table 4.2: Program coverage by jurisdiction, CSHA home purchase assistance, 2007–08
Program type	NSW	Vic	Qld	WA	SA	Tas	ACT	NT	
Direct lending	. . 	current	current	current	current	current	. .	current	
Deposit assistance	. .	. .	current	. .	. .	current	. .	. .	
Interest rate assistance	. .	. .	current	current	current	. .	. .	. .	
Mortgage relief	current	current	current	current	. .	current	current	. .	
Home purchase advisory and counselling	current	. .	. .	current	. .	. .	. .	. .	
Other forms of assistance	. .	current	current(a)	current	. .	. .	. .	. .	
(a) Qld – Special Assistance Grants were abolished in February 2008.
Note: ‘Current’ represents programs which are accepting new clients for the year ending 30 June 2008. These programs are not counted as current where a jurisdiction is phasing out a program and only continuing to service clients until the end of their contractual obligations.
Assistance offered by jurisdictions may fall under two or more assistance programs. For example, where a jurisdiction provides direct lending to finance the purchase of a dwelling,                it may also provide all or part of the deposit required to secure the purchase. Wherever possible, individual elements of home purchase assistance are reported separately in this report. 
4.5 Coverage
States and territories were unable to provide all of the data requested for this collection in keeping with the definitions of the National housing assistance data dictionary version 3 
(AIHW 2006) and specifications agreed to in the CSHA Home purchase assistance data manual 2007–08 (AIHW 2008).
The national data report only the forms of home purchase assistance that are currently available for each jurisdiction. The following forms of assistance are not reported:
•	direct lending (H1): one-off non-repayable and ongoing non-repayable
•	deposit assistance (H2): ongoing repayable and ongoing non-repayable
•	interest rate assistance (H3): one-off non-repayable
•	mortgage relief (H4): ongoing non-repayable
•	home purchase advisory and counselling services (H5): one-off repayable, ongoing repayable and ongoing non-repayable
•	other forms of assistance (H6): ongoing repayable and ongoing non-repayable.
References
AIHW (Australian Institute of Health and Welfare) 2004. Measuring housing assistance: national data standards developed under the 1999 Commonwealth State Housing Agreement. AIHW Cat. no. HOU 111. Canberra: AIHW.
AIHW 2006. National housing assistance data dictionary version 3. Housing Assistance Data Development Series. AIHW Cat. no. HOU 147. Canberra: AIHW.
AIHW 2008. Commonwealth State Housing Agreement (CSHA) Home purchase assistance data manual 2007–08. Canberra: AIHW.

List of tables
Table 2.1: 	Home purchase assistance totals, 2007–08	4
Table 2.2: 	Home purchase assistance total summary data by program type, 2007–08	4
Table 2.3: 	Home purchase assistance national summary data, 2007–08	5
Table 2.4: 	Direct lending program by jurisdiction	13
Table 2.5: 	Direct lending eligibility criteria by jurisdiction	16
Table 2.6: 	Deposit assistance by jurisdiction	17
Table 2.7: 	Deposit assistance eligibility criteria by jurisdiction	17
Table 2.8: 	Interest rate assistance program by jurisdiction	18
Table 2.9: 	Interest rate assistance eligibility criteria by jurisdiction	18
Table 2.10: Mortgage relief by jurisdiction	19
Table 2.11: Mortgage relief eligibility criteria by jurisdiction	20
Table 2.12: 	Other forms of home purchase assistance provided by jurisdictions	21
Table 2.13:	Jurisdiction’s definition of assessable income	22
Table 2.14: 	Number and value of arrears, bad debts, other losses written off and level of provision 
for doubtful debts, 2007–08	23
Table 4.1: 	No Indigenous identification in current assistance programs by form of assistance, by jurisdiction, CSHA home purchase assistance, 2007–08	32
Table 4.2: 	Program coverage by jurisdiction, CSHA home purchase assistance, 2007–08	33

List of figures
Figure 1: CSHA home purchase assistance data collection items, 2007–08	27