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Ant123(Newbie)Newbie
19 June 2025

Hello @ATO,


Great write up!


I’m curious how the FHSSS would be impacted by inheritance of property.


Let’s say I am currently saving for my first home using the First Home Super Saver Scheme (FHSSS) and have made voluntary contributions into my superannuation for this purpose. However, I’ve recently and unexpectedly inherited a share in a residential property jointly with my sibling(s). Could you please clarify how this affects my eligibility to access FHSSS funds? Specifically, does this inherited partial ownership disqualify me from being considered a first home buyer under the scheme, and if so, what happens to the contributions I’ve made—can I still release or access those funds in any way? Can they be used on the inherited property?

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292 views
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KaraATO(Community Support)Community Support
20 June 2025

Hi @Ant123,


That's a good question to bring up. I have found some info from our FHSS General Notice (GN) that covers your exact scenario.


What happens if you inherit a home and are using the FHSS scheme?

If you’re saving for your first home using the First Home Super Saver (FHSS) scheme and then inherit part of a home, this can change things.


If the property has already been put in your name, then you’re seen as owning a home. That means you probably can’t use your FHSS money anymore.


But if the property hasn’t been given to you yet, or you just get money from selling it and not the home itself, then that won't impact your FHSS eligibility.

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RE: What you need to know about the First Home Super Saver (FHSS) scheme | ATO Community