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September 2, 2025

Secure Your New Home at Florian From $20,625 Upfront*

For many first home buyers, the biggest hurdle is the deposit. Years of cutting back, years of rent, and years of waiting for the savings to add up. From 1 October 2025, that challenge gets a lot easier to overcome.


The Federal Government has expanded the Home Guarantee Scheme, giving eligible first home buyers the chance to enter the market with as little as 5% deposit. Even better, you’ll avoid costly Lenders Mortgage Insurance (LMI), saving thousands upfront.


For buyers at Florian, it’s a change that could mean stepping into home ownership much sooner than expected.

 

What’s changed under the Home Guarantee Scheme?


The Home Guarantee Scheme (HGS) has been updated to open the door wider for first-home buyers. Key changes include:
No income limits – higher earners are now eligible

 

  • Unlimited places – no more waiting lists

 

  • 5% deposit – instead of 20%

 

  • No LMI – saving buyers thousands of dollars


Florian Home & Land at a Glance


So, how does this new scheme stack up in a real-world scenario?


Let’s look at this affordable home and land package from Asset Point Homes:


Lot 811 – Niobite 20

 

  • Priced from $612,500*

 

  • 5% deposit = $30,625

 

  • Less $10,000 First Home Owner Grant (FHOG) (for eligible buyers)


That brings the upfront cost down to just $20,625*.


Add in no LMI and stamp duty concessions, and the savings become even more significant.

 

View this package

 

Extra support for Victorian first home buyers

On top of the Home Guarantee Scheme, buyers at Florian may also benefit from:

 

  • $10,000 First Home Owner Grant (FHOG) for new builds up to $750,000*

 

  • Off-the-plan stamp duty concession – pay duty on the land value only.


Why Florian is the right choice


At Florian, your first home comes with:

 

  • An accessible location, just 10 minutes to Ballarat CBD and 5 minutes to Delacombe Town Centre

 

  • Schools, shops, childcare, and cafés all within minutes from home

 

  • Completed, landscaped wetlands, parks, and walking trails, as well as an established playground

 

  • A completed neighbourhood of established homes, just waiting for yours


Make your Move Before October


Getting into the market has never been easy. But with the expanded 5% deposit scheme, the Victorian FHOG, and stamp duty concessions, your first home at Florian could cost less than you think.


With upfront costs as low as $20,625*, you can finally leave the waiting behind and start building your future at Florian. Now’s the time to make your move, so you’re ready to go from 1 October 2025.

 

Explore our available packages and speak with your lender today.

 

 

 

Sources:

 

  • Housing Australia – Unlimited places, higher property price caps for first home buyers from 1 October 2025
    https://www.housingaustralia.gov.au/media/unlimited-places-higher-property-price-caps-first-home-buyers-1-october-2025
  • Mortgage Choice – First Home Guarantee explained
    https://www.mortgagechoice.com.au/guides/first-home-buyers/first-home-guarantee/
  • Australian Labor Party – Albanese Government delivers 5% deposit for all first home buyers sooner
    https://alp.org.au/news/albanese-government-delivers-5-deposit-for-all-first-home-buyers-sooner/#:~:text=Through%20the%20expanded%205%20per,on%20places%20or%20income%20limits

 

 

*Eligibility criteria apply to all incentives and schemes. Speak to your financial adviser for personalised investment advice. Information provided is indicative only and should not be relied upon. Home and land prices listed are accurate as of 27 August 2025.

Terms & Conditions

Bonshaw Projects Pty Ltd reserves the right to amend these terms and conditions from time to time. Amendments will be posted on this website (site) and will be effective from the time of posting.

By viewing this site you shall accept and agree to be bound by the following terms and conditions. If you don’t accept this or any of the terms, you must immediately discontinue your access to this site.

For the purposes of this website, BP includes all entities for which BP is responsible for its management or other professional services.

 

Purpose of the website

The purpose of this site is to provide the Viewer with background information on BP and to allow the Viewer to contact BP. The site has been prepared by BP and each Viewer must make their own independent assessment and investigation of BP. 

 

The site does not purport to contain all the information that a prospective investor or acquirer of goods or services and/or rights to use the Company’s technologies may require. In all cases, before acting in reliance on any information, the Viewer should conduct their own investigation and analysis in relation to BP its goods/services/technologies and should check the accuracy, reliability and completeness of the information and obtain independent and specific advice from appropriate professional advisers. 

The site may contain reference to certain intentions, expectations and plans of BP. Those intentions, expectations and plans may or may not be achieved. They’re based on certain assumptions which may not prove to be correct. The performance and operations of BP may be influenced by a number of factors, some of which may be outside the control of BP. No representation or warranty, express or implied, is made by BP, its officers, employees, agents, consultants or advisers that any intentions, expectations or plans will be achieved either in whole or in part.

Whilst BP endeavours to ensure that all information is current and correct, BP makes no representation or warranty (express or implied) as to the currency, accuracy, reliability or completeness of the information. BP and its officers, employees, agents and consultants accept no liability (including liability to any person by reason of negligence or negligent misstatement) for loss or damage caused by any statements, opinions, information or other matters (expressed or implied) arising out of, contained in or derived from, or for any omissions from, the site, except liability under statute that cannot be excluded.


BP makes no representations whatsoever about any other site which you may access through this one. When you access a non-BP site through any link with the BP site, please note that it is independent from BP, and that BP has no control over the content on that site. Where there is a link to a non-BP site this does not imply that BP endorses that site or accepts any responsibility for the content or use of that site. You must take whatever precautions are necessary to ensure that whatever you download from any site is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

In no event will BP be liable to any party for any direct, indirect, special or other consequential loss or damage, however caused (including through negligence), arising as a consequence of any use of this site, or of any other hyperlinked site, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we’re expressly advised of the possibility of such damages.

This site and its contents are owned by BP. The content of this site, including any source code is the property of BP and may be protected by the law of copyright, trademarks, design rights and other intellectual property rights. You’re permitted to download content for your personal information but not for any other purpose commercial or otherwise. You’re not permitted to reproduce, distribute, transmit or incorporate into another document any of the content of this site without the prior written permission of BP. No data transmission over the internet can be guaranteed as totally secure. Whilst we strive to protect such information we can’t ensure the security of any information you transmit to us. Any information you transmit to us is transmitted at your own risk. Once we receive your information we will take reasonable steps to preserve the security of such information. Persons accessing the site are not authorised to alter, delete or replace any pages or data on the site, or to link this site with any other site.

Breeze in and Move in Pack
*All removal services to be carried out by Brendan Hare Removals to the maximum value of $1,500 plus GST.

+First week’s groceries based on three shopping lists up to the value of $300 supplied as a Woolworths voucher.

Costs allocated to moving and food are not redeemable for cash. Where the full amount isn’t utilised it cannot be refunded to the homeowner. 

These terms and conditions and any dispute in relation to them are governed by the law of Australia.

Styling Your Style

*All consultation services to be carried out by the preferred supplier of BP to the maximum value of $1,200 plus GST.

+Costs allocated to consultation services are not redeemable for cash. Where the full amount isn’t utilised it cannot be refunded to the homeowner. 

These terms and conditions and any dispute in relation to them are governed by the law of Australia.

A Warming Welcome

*All catering services to be carried out by the preferred supplier of BP to the maximum value of $1,208 plus GST.

+Costs allocated to catering services are not redeemable for cash. Where the full amount isn’t utilised it cannot be refunded to the homeowner. 

These terms and conditions and any dispute in relation to them are governed by the law of Australia.

The Florian Delacombe Shopping Centre Promotion (‘Promotion’) 

Promotion Details 
1. In these terms and conditions and any marketing materials and advertisements relating to the Promotion, Florian means the relevant entity associated with or related to Tait Street Investments Pty Ltd ACN 617 871 879 and Bonshaw Projects Pty Ltd ACN 617 873 471 selling land within the Florian estate at Bonshaw. 
2. The Promotion runs from 24 June 2019 until 7 July 2019 for the Florian estate (‘Promotion Period’). 
3. The Promotion only applies to lots within the Florian estate which are nominated by Florian from time to time as being eligible for the Promotion (‘Eligible Lots’). 
4. There are only a limited number of Eligible Lots within the Florian estate. 
5. Persons who are eligible to participate in the Promotion (‘Eligible Participants’) are persons who: 
a. have registered their details at the Delacombe Shopping Centre pop up stall on the form prescribed by Florian; 
b. have entered into an unconditional contract of sale (or a contract which becomes unconditional) to purchase an Eligible Lot; 
c. have paid the full 10% deposit due under the contract by 7 July 2019; and 
d. are not in default of the contract of sale. 
6. The Promotion is only valid during the Promotion Period, and is correct as at the time of publication, but may change at Florian’s absolute discretion at any time. 
7. Florian gives no warranty and makes no representation as to the accuracy or sufficiency of any description, illustration, photograph or statement contained in any advertisement, or any information or statements made or given by its employees, agents or contractors, and will not be liable for any loss or damage suffered or incurred by any party who relies upon the information in any advertisement, publication or statement except for any liability which cannot be excluded by law. 

Eligibility 
8. Each Eligible Participant who complies with these terms and conditions will receive a prepaid visa gift card for the value of $500 (“Gift Card”) within 14 days of compliance with condition 5. 
9. The Gift Card is subject to these terms and conditions and is not transferable, nor redeemable or exchangeable for a discount or rebate on the purchase price of any lot sold to the purchaser. 
10. Entrants acknowledge that the Gift Card may expire or become void and may not be redeemed if it is defaced, stolen, damaged, altered or otherwise damaged or tampered with in any way and agree that Florian nor its related entities will be liable to reissue or reimburse the relevant purchaser for a Gift Card which expires or is so defaced, stolen, damaged, altered or otherwise damaged or tampered with in any way. 
11. Eligible Purchasers acknowledge that if they receive the Gift Card, they are bound by all terms and conditions relating to this Promotion and agree not to make any claim or objection against Florian or withhold any payment on any lot sold to the relevant purchaser. 
12. In the event of any dispute as to eligibility for the Promotion or the Gift Card, eligibility will be determined by Florian and Florian’s decision will be final and binding. 
13. If the Eligible Participant fails to complete settlement of the relevant contract in accordance with the terms of the contract (or as otherwise agreed to by Florian), the relevant purchaser must forfeit any remaining balance on the Gift Card to Florian and Florian reserves the right to take action against the Eligible Participant to recover any amount spent by the Eligible Participant using the Gift Card, and the Eligible Participant will have no claim or recourse against Florian. 

General Terms of the Promotion 
14. The Promotion is not available in conjunction with any other promotion or offer by Florian and is subject to all terms and conditions contained in the contracts entered into by any Eligible Participant. 
15. Florian will not be liable for any loss or damage suffered or incurred by any person who relies upon the information in any advertisement relating to the Promotion or participates in the Promotion except for any liability which cannot be excluded by law, nor for any restriction of Florian’s ability to provide any aspect of the Promotion as a result of the act of any third party. 
16. Florian may cancel or make changes to the Promotion at any time without notice. Such changes may include adding or withdrawing Eligible Lots or shortening or extending the Promotion Period. 
17. These terms and conditions supersede any prior terms and conditions for the Promotion.

Privacy 
18. Florian collects personal information in order to conduct the Promotion, to assist in providing the products or services an individual has requested (if any), and to improve its products and services. Florian may use the information for promotional, marketing, publicity, research and profiling purposes, and may be in touch by any means (including telephone, email or SMS) at any time to let an individual know about products, services or promotional activities which may be of interest until the individual informs Florian otherwise. 
19. Florian may also share an individual’s information with other persons or entities who assist it in providing its products or services or running competitions or trade promotions. Florian may also disclose personal information to third parties as required by Australian regulatory authorities. 
20. Florian is bound by the National Privacy Principles in the Privacy Act 1988 (Cth), and by participating in the Promotion, each individual is taken to consent to Florian’s privacy policy. Participants should direct any request to access, update or correct personal information to Florian.

Privacy Policy

Bonshaw Projects Pty Ltd and its related entities (referred to as Florian Living, we, us or our) are committed to the protection of personal information that relates to you in accordance with the Australian Privacy Principles (APPs) as set out in the Privacy Act 1988 (Cth) (Privacy Act). This Privacy Policy describes the manner in which we collect, hold and use information that is covered by the Privacy Act. It is not intended to cover categories of information that are not covered by the Privacy Act. If you wish to make any inquiries regarding this Privacy Policy, you should contact us in any of the ways specified in clause 13. We may, from time to time, review and update this Privacy Policy including to take into account new laws, regulations and technology. All personal information held by us will be governed by our most recent Privacy Policy, posted on our website gracetarneit.com.au. Our most recent Privacy Policy will apply to our collection, use and disclosure of Personal Information.
  1. What information is covered by the Privacy Act?“ Personal Information ” is information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information is true or not, and whether recorded in a material form or not.

    “ Sensitive Information ” is Personal Information about an individual that includes health information, genetic information, biometric information or templates, or personal information that is also information or an opinion about an individual’s race or ethnicity, their religious, political or philosophical beliefs, opinions or affiliations, their sexual orientation or criminal record.

  2. What kind of information do we collect and hold?We may collect and hold Personal Information about you such as your name, gender, date of birth, contact details (including your address, phone numbers and emails, whether personal or for work), financial information, payment details, bank account details, tax file number, products and services information and preferences. We may also collect Personal Information that you submit to us via the Website.
  3. Why do we collect Personal Information?
    1. Why do we collect your information?We collect Personal Information from customers, employees, contractors and other individuals that is reasonably necessary for one or more of our functions or activities, including: in order to allow us to conduct our business functions, to meet any regulatory requirements which apply to our business, to market and sell our products and services and to conduct employee related activities.
    2. How you may deal with usYou have the option to deal with us anonymously or by using a pseudonym. However you acknowledge that where this is impractical (for example when you enter into a contract with us) or where the law or a court order provides otherwise, we are not required to provide these options to you.

      If you choose not to provide your Personal Information to us, we may not be able to undertake certain activities for you such as providing you with requested information, products or services.

  4. Collecting Personal Information
    1. When and how do we collect your information?We collect Personal Information directly from you when you: visit our Website, request information about us or our products or services, provide feedback, respond to a survey, change your content, email or profile preferences, enter into an agreement or contract with us, fill in a form or a request for services, fill in a form on our Website (including where you register on our online platform as a worker or client) or contact us by telephone, facsimile, email, post or in person.

      If you provide Personal Information about other individuals to us, you must ensure that you have informed those individuals that you are providing their Personal Information to us and that you have obtained their consent and advised them of our Privacy Policy.

    2. Do we collect information about you in other ways?We may also collect Personal Information about you via third parties including from our suppliers, merchants, direct mail, events, online marketing and social media activities.

      In some circumstances we may receive Personal Information that we have not requested. If this occurs, we will comply with our obligations under the Privacy Act. You acknowledge that we may de- identify and/or destroy this information unless we are required to keep it by law.

  5. Information collected via our Website
    1. Website terms of useThis Privacy Policy together with our Website usage terms and conditions ( Website Terms and Conditions ) govern how we use, collect or disclose Personal Information provided on our Website. By using the Website you agree to the terms and conditions contained in this Privacy Policy and the Website Terms and Conditions. Both the Privacy Policy and the Website Terms and Conditions are posted on the Website.

      We will not collect any Personal Information about users of our Website except when they knowingly provide it or as otherwise described below. For example, we may collect Personal Information from users of the Website when they:

      1. complete an online form, including registering to receive updates, promotional material or other information; and/or
      2. otherwise correspond with us.
    2. Click Stream DataWhen you visit and browse our Website, our Website host may collect Personal Information for statistical, reporting and maintenance purposes. Subject to clause 7.2, the Personal Information collected by our Website host will not be used to identify you. The information may include:
      1. the number of users visiting our Website and the number of pages viewed;
      2. the date, time and duration of a visit;
      3. the IP address of your computer; or
      4. the path taken through our Website.

        Our Website host uses this information to administer and improve the performance of our Website, including to assist with the diagnosis of and to provide support for any issues with our Website or services.

    3. CookiesCookies are small text files that are transferred to a user’s computer hard drive by a website for the purpose of storing information about a user’s identity, browser type or website visiting patterns.

      If you access our Website, a cookie is downloaded onto your computer’s hard drive when you first log on to our Website. We use cookies to allow us to personalise your browsing and online service experience on our Website. You can adjust your internet browser to disable cookies, however we may not be able to provide you with all the service or functionality you require on our Website if you choose to do so.

    4. Web BeaconsWeb beacons are images that originate from a third party site to track visitor activities. We may use web beacons to collect aggregate data and provide this information to our Website host to administer and improve the performance of our Website.
    5. AdvertisingWe use Google and/or other third-party service providers to serve ads on our behalf across the Internet and sometimes on our Website. They may collect anonymous information about your visits to our Website (not including your name, address, email address or telephone number), and your interaction with our products and services. They may also use information about your visits to the Website and other websites to target advertisements for goods and services in order to provide more relevant advertisements about goods and services of interest to you.
    6. Links to external websitesIf you follow any links to external websites from our Website, the Privacy Policy and the Website Terms and Conditions will not apply to those websites which may have their own policies relating to privacy and data collection and website usage. If you choose to access any linked website or to provide any Personal Information on such websites you should review their policies and terms of use to learn more about how they may use your Personal Information. We are not responsible for and will not be liable for the operations or policies of any external website.
  6. How we use Personal Information?
    1. How we use the Personal Information we collect about you?We use the Personal Information we collect about you for our business functions and activities, which may include the following:
      1. to provide you with information, products or services you have requested, including where we engage third parties to provide you with goods or services on our behalf;
      2. to provide you with a customer account, including evaluating and processing your application for a customer account;
      3. to promote and market our products and services to you, including to communicate with you via SMS or email newsletters;
      4. to personalise and customise your experiences on our Website;
      5. to help us research the needs of our customers;
      6. to conduct research for the purposes of improving existing products or services or creating new products or services;
      7. to provide you with ongoing information about us and our activities;
      8. to allow us to provide third party information and offers in which we believe you may be interested;
      9. to use aggregated or de-identified information for the purposes of data analysis, research and reporting;
      10. to comply with regulatory or other legal requirements;
      11. for purposes related to the employment of our personnel and providing internal services to our staff; and
      12. for any other use required or permitted by law or any other purpose communicated to you at the time that the Personal Information was collected or for which you provided your consent.

        We may use your Personal Information for a secondary purpose if that secondary purpose is related to the purposes listed in this clause 6.1, if we have your consent or if otherwise provided for under the Privacy Act.

        Generally, we will only collect and use your Personal Information in accordance with this Privacy Policy. In the event that we collect or use Personal Information in ways other than as stated in this Privacy Policy, we will ensure that we do so in accordance with the Privacy Act.

    2. Direct marketingWe may use your Personal Information to provide you with direct marketing materials if you would reasonably expect us to or if you consent to receive direct marketing materials. We will seek your consent to provide you with direct marketing materials if we have obtained your Personal Information from a third party. Direct marketing material may include promotional material about us or the products or services we offer.

      You may opt out of receiving direct marketing material by contacting us in any of the ways specified in the direct marketing materials or as set out in clause 13.

  7. When do we disclose Personal Information?
    1. Who do we disclose your Personal Information to?Depending on the nature of your relationship with us, we may disclose your Personal Information to our shareholders, officers and employees, other businesses within our group of companies, service providers who assist us in our business operations (including third party service providers based overseas), government agencies, parties involved in the purchase or sale of any of our businesses, other third parties, (including parties that we engage to provide you with goods or services on our behalf or who are connected with or involved in our relationship with you), or otherwise as required by law.
    2. Service providersWe may also disclose your Personal Information to our Website host or service providers in certain limited circumstances, for example when our Website experiences a technical problem or to ensure that it operates in an effective and secure manner. To the extent that we do share your Personal Information with a service provider, we would only do so if that party has agreed to comply with our privacy standards as described in this Privacy Policy.

      We may also share non-personal, de-identified and aggregated information for research or promotional purposes in connection with providing requested information or services to you, or for the purpose of improving our services. We will not sell your Personal Information to third parties for marketing purposes.

      Unless otherwise specified in this Privacy Policy, we or our Website host will not disclose any of your Personal Information to any other organisation unless the disclosure is required by law, is otherwise permitted by the Privacy Act, or is with your consent.

  8. Disclosure of your Personal Information overseasYour Personal Information may be disclosed outside of Australia to an entity in a foreign country, including entities in which we have an ownership interest or to third party service providers ( Overseas Entities ). It is possible that the Overseas Entities may be subject to foreign laws that do not provide the same level of protection of information as in Australia. We take reasonable steps to ensure that these overseas entities do not breach the APPs and that they are obliged to protect the privacy and security of your Personal Information and use it only for the purpose for which it is disclosed.
  9. Storage and security of Personal Information held by usWe will take reasonable steps to protect your Personal Information from misuse, interference and loss and from unauthorised access, modification or disclosure.

    We aim to keep your Personal Information secure and up to date. We will comply with our obligations under the Privacy Act in relation to any Personal Information that we handle, including information which is held on our computer systems.

    Personal Information that is held by us in hard copy is stored securely on our premises and is only disclosed or used for the purposes described in this Privacy Policy.

  10. Updating and correcting your Personal InformationWe will take reasonable steps to ensure that the Personal Information that we hold is accurate, up- to-date and complete. You can update your Personal Information at any time by contacting us in any of the ways specified in clause 13. We welcome any changes to your Personal Information so as to keep our records up to date.
  11. How long will we keep your Personal Information?We will keep your Personal Information only for as long as required for our business purposes and otherwise as required by Australian law.

    Where we no longer need to keep your Personal Information in accordance with this clause 11, we will take reasonable steps to destroy or de-identify your Personal Information.

    If you wish to have your Personal Information destroyed or de-identified, please let us know and we will take reasonable steps to do so (unless we need to keep it for legal, auditing or internal risk management reasons, or as otherwise required by law).

  12. Finding out what Personal Information we hold about youYou are entitled to access Personal Information that we hold about you. If you request access to your Personal Information, we will grant your request unless providing you with access would unreasonably impact upon the privacy of others or is not otherwise permitted under the Australian Privacy Principles or at law. If we refuse your request to access your Personal Information, we will provide you with written reasons for the refusal.

    A request for access can be made by contacting us in any of the ways specified in clause 13.

  13. How to contact us and more information?If you feel that your privacy has not been respected or that we have conducted ourselves inconsistently with this Privacy Policy, the Australian Privacy Principles, a registered APP Code and/or the Privacy Act in respect of your Personal Information, or for any other queries, problems, complaints or communication in relation to this Privacy Policy, please contact us in any of the following ways:
    1. Email 
      admin@landcore.com.au

      Post 
      Att: Privacy Officer Sal Scrivano
      PO Box 8023
      Camberwell North VIC 3124

You can find out more information about the Privacy Act and the Australian Privacy Principles from the Office of the Australian Information Commissioner. The Information Commissioner may be contacted at www.oaic.gov.au or by email at enquiries@oaic.gov.au.