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It’s becoming harder to fulfil the great Australian dream of owning your own home, and in response to this affordability issue the federal government introduced a new scheme - the First Home Super Saver Scheme (FHSSS).

Through the FHSSS Australians will be able to contribute up to $15,000 per year, a maximum of $30,000, to their superannuation, with the purpose of withdrawing it and using it for a deposit for their first home.

Super contributions can be pre-tax or-post-tax, though the benefit of contributing pre-tax (salary sacrifice), is it provides the opportunity for individuals to take advantage of super’s concessional tax rates and will be taxed at 15%.

The FHSSS is managed by the Australian Tax Office (ATO) and withdrawals will be subject to their approval. Vision Super, as your fund, will take direction from the ATO and respond to any requests received from them.

Refer to our factsheet, or the ATO website for further information.

At Vision Super we look forward to helping you on your way to owning your first home.

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