HomeSoon
Want your first
home sooner?
Maximising the government's First Home Super Saver scheme can boost an average first home deposits by $15,000*
For younger Aussies,
not Boomers...
The challenges of younger Aussies are close to home at Pearler. We built Pearler Super to help them build wealth earlier and HomeSoon to give first home buyers much needed help in using the First Home Super Saver scheme.
* How do you get to $15k?
This example assumes that in six years, an $80K earner saving $510/month could boost their deposit by $15K with a 7.17% p.a. FHSS deemed return versus 4.1% p.a. bank interest.
But, how though?
When you save via superannuation the government charges you 15% tax on the money you earned to put in there, even if you're taxed at 30-45% on your normal income.
I want to know more.
Read more about the FHSS and explore case studies here.
How come I haven't heard about this?
You're not alone! Learn how this can boost your deposit savings and help you buy your first home quicker.
*These calculations are estimates and don't factor in your personal situation, but they're a great way to understand how the FHSS can work.
Meet someone who's done it.
Hi, I'm Ana Kresina!
I bought my first home in Melbourne in 2022 using the First Home Super Saver scheme. Based on the government's calculator, I saved nearly an extra $6K in two years.
I had to carefully track my scheme contributions, estimate my savings, and manage my deposit across multiple bank accounts and apps—a lot of admin! Luckily, I love a good spreadsheet.
HomeSoon wasn't around when I bought my home, but I wish it was. It would have made the whole process so much easier.
Using the scheme on your own isn't easy.
The scheme can be confusing, here are just a few reasons why:
1.
Separated from your savings
When your savings are split between your bank, shares, and the FHSS in your super, tracking your total deposit can get tricky, especially across multiple apps.
2.
Combined with your super
Your FHSS savings sit alongside your retirement fund in super, making it hard to tell them apart. With a home deposit 6-9 years away — and retirement much further — you could be taking on more risk than necessary.
3.
Painful to calculate
You often have to dig through past transactions to track FHSS contributions, making it hard to know if you're within the caps.
4.
Hard to track progress
Super was built for retirement, so tracking your first home savings within it often isn't straightforward.
But, don't worry.
HomeSoon cuts through the confusion and helps boost your deposit.
Open now,
invest later
Open an account, explore the platform, and get comfortable. No pressure to invest until you're ready.
HomeSoon
Pricing
HomeSoon is a feature of Pearler Super, so pricing works the same way.
Super
HomeSoon is a feature of Pearler Super that makes using the First Home Super Saver scheme easy.
Fees only apply once you fund your account.
HomeSoon is designed to help you boost your first home deposit using the First Home Super Saver scheme.
HomeSoon lets you grow your first-home deposit separately — no need to move your existing super.
Choose ETFs that match your home-buying timeline and take control of your investment fees.
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