First Home Super Saver Scheme: Your Guide to Getting Started

<!DOCTYPE HTML> <html lang="en"> <head> <meta charset="UTF-8"/> <title>First Home Super Saver Scheme: Your Guide to Getting Started</title> <meta name="keywords" content="First Home Super Saver, FHSSS, using super to buy your first home "/> <meta name="description" content="Learn about the First Home Super Saver Scheme and how you can use your super to buy your first home."/> <meta name="template" content="article-page"/> <meta name="viewport" content="width=device-width, initial-scale=1.0"/> <meta name="pageName" content="cfs:super:first-home-super-saver"/> <script defer="defer" type="text/javascript" src="/.rum/@adobe/helix-rum-js@%5E2/dist/rum-standalone.js"></script> <script type="application/ld+json"> { "@context": "https://schema.org", "@graph": [ { "@type": "Article", "headline": "First Home Super Saver Scheme: How to get started", "timeRequired":"7min", "image": "", "author": { "@type": "Person", "name": "" }, "publisher": { "@type": "Organization", "name": "Colonial First State", "logo": { "@type": "ImageObject", "url": "https://www.cfs.com.au/content/dam/cfs-winged/images/CFS-logo.svg" } }, "datePublished": "", "dateModified": "Wed Oct 30 04:41:36 UTC 2024" } , { "@type": "FAQPage", "mainEntity": [{ "@type": "Question", "name": "What’s the eligibility criteria for the FHSSS?", "acceptedAnswer": { "@type": "Answer", "text": "You must be 18 or older when making a FHSSS release request. You can’t have previously owned property in Australia (unless you lost this property due to financial hardship). The money must be used to either buy or construct a residential dwelling. You can’t use the FHSSS to buy a motor home or houseboat. If you withdraw the money from your super before entering a contract to buy or construct a home, you must buy or enter a contract to build a home within 12 months. Whether you buy an existing property or construct a new property, you must live in it for at least six months within the first year that it’s capable of being occupied. You can’t withdraw any super contributions you made before 1 July 2017. You have not previously made a FHSSS release request. " } },{ "@type": "Question", "name": "How to save a first home deposit with FHSSS", "acceptedAnswer": { "@type": "Answer", "text": "Firstly, you only pay of up to 15% tax on whatever earnings your super contributions make. Outside of super, in another type of investment account, you would have to pay your marginal tax rate on those earnings. Secondly, if you make before-tax super contributions (such as salary sacrifice contributions), you’ll only have to pay 15% on those contributions as well – and you’ll reduce your taxable income by the total amount of your contributions. " } },{ "@type": "Question", "name": "What are eligible and ineligible contributions?", "acceptedAnswer": { "@type": "Answer", "text": "Eligible contributions • Salary sacrifice contributions (arranged through your employer and paid from your before-tax income) • Personal contributions that you claim a tax deduction for • Personal contributions that you don’t claim a tax deduction for - Ineligible contributions • Super guarantee contributions (the ones your employer makes for you) • Spouse contributions that your partner pays into your super account " } },{ "@type": "Question", "name": "How to apply for release of your FHSSS to buy a house", "acceptedAnswer": { "@type": "Answer", "text": "Step 1 Make voluntary contributions to your super. Step 2 When you think you have enough money saved, apply to the ATO for what’s known as a FHSSS determination. You can do this through your myGov account. If your application is approved, the ATO will let you know your maximum FHSSS release amount. Step 3 Send a withdrawal request to the ATO by submitting a release form through myGov. The ATO will assess the form and get in touch with your super fund to let them know about the withdrawal. Once the super fund pays the amount to the ATO, the ATO will withhold a certain amount of tax and pay the rest into your bank account. This is usually done within 15-20 business days. Step 4 Put the money towards your home deposit. You have 12 months to buy a property or enter a contract to build a home from the date you request a FHSSS release. You only have to sign the contract within those 12 months – you don’t have to be in the property already. However, the ATO may grant you an extension for another 12 months if you can’t find what you’re looking for. Step 5 Within 28 days of signing the property contract, use myGov to let the ATO know you’ve bought a property. If you skip this step, you may have to pay additional tax. " } },{ "@type": "Question", "name": "How to apply for FHSSS financial hardship", "acceptedAnswer": { "@type": "Answer", "text": "The best way to find out if you’re eligible for the FHSSS financial hardship provision is to contact the ATO directly. You’ll have to provide evidence as part of your FHSSS application that shows how the hardship event resulted in you losing your property. 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src="/content/dam/cfs-winged/images/header-banners-batch-2/tier2_brisbane.jpg" alt=""/> <img class="HeaderBanner__Image__Mobile" src="/content/dam/cfs-winged/images/header-banners-batch-2/tier2_mobile_brisbane_327.jpg" alt=""/> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-54ab423086" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-29d30561d5" class="cmp-text"> <h4 style=" text-align: center; ">Saving a deposit to buy your first home isn’t easy. That’s why the government introduced the First Home Super Saver Scheme (FHSSS) to help Australians use the tax benefits of super to save a deposit faster. <br /> </h4> <h4 style=" text-align: center; "> </h4> <h4 style=" text-align: center; ">Essentially, you make extra contributions to your super and allow your money to grow. When you’re ready, you can withdraw this money, including the associated earnings, to put towards a deposit on your first home.</h4> <h4 style=" text-align: center; "> </h4> <h4 style=" text-align: center; ">According to the <a data-tracker-locationid="cfs | text1-ato" href="https://www.ato.gov.au/About-ATO/Research-and-statistics/In-detail/Super-statistics/Early-release/First-Home-Super-Saver-scheme-data/?anchor=FHSSusageofthescheme#FHSSusageofthescheme">ATO</a>, more than $415 million has been saved and accessed using the FHSSS since it was introduced in 2018. </h4> <h4 style=" text-align: center; "> </h4> </div> </div> </div> </div> </div> </div> </div> <div class="divider container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="divider-c66ad8e580" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-2313132ebc" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-sm container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="anchorlinks aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div class="AnchorLinks" data-cmp-is="anchorLinks"> <div class="AnchorLinks__Container"> <div class="AnchorLinks__Content"> <h4 class="AnchorLinks__Heading">On this page</h4> <ul class="AnchorLinks__List"> <li class="AnchorLinks__Item"> <a href="#eligibility-criteria" class="AnchorLinks__Link">What’s the eligibility criteria for the FHSSS? </a> </li> <li class="AnchorLinks__Item"> <a href="#save-a-first-home-deposit" class="AnchorLinks__Link">How to save a first home deposit with FHSSS</a> </li> <li class="AnchorLinks__Item"> <a href="#eligible-and-ineligible-contributions" class="AnchorLinks__Link">What are eligible and ineligible contributions? </a> </li> <li class="AnchorLinks__Item"> <a href="#apply-for-release-of-your-fhsss" class="AnchorLinks__Link">How to apply for release of your FHSSS to buy a house </a> </li> <li class="AnchorLinks__Item"> <a href="#apply-for-FHSSS-financial-hardship" class="AnchorLinks__Link">How to apply for FHSSS financial hardship </a> </li> <li class="AnchorLinks__Item"> <a href="#contribution-caps-still-apply" class="AnchorLinks__Link">Contribution caps still apply </a> </li> <li class="AnchorLinks__Item"> <a href="#tax-considerations-of-fhsss" class="AnchorLinks__Link">What are the tax considerations of FHSSS? </a> </li> <li class="AnchorLinks__Item"> <a href="#saving-a-home-deposit-using-the-fhsss" class="AnchorLinks__Link">Case study: Saving a home deposit using the FHSSS </a> </li> <li class="AnchorLinks__Item"> <a href="#getting-started" class="AnchorLinks__Link">Getting started </a> </li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-3695d005ee" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-md container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="eligibility-criteria" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">What’s the eligibility criteria for the FHSSS?</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-ce921962fa" class="cmp-text"> <ul><li>You must be 18 or older when making a FHSSS release request. </li><li>You can’t have previously owned property in Australia (unless you lost this property due to financial hardship). </li><li>The money must be used to either buy or construct a residential dwelling. You can’t use the FHSSS to buy a motor home or houseboat. </li><li>If you withdraw the money from your super before entering a contract to buy or construct a home, you must buy or enter a contract to build a home within 12 months. </li><li>Whether you buy an existing property or construct a new property, you must live in it for at least six months within the first year that it’s capable of being occupied. </li><li>You can’t withdraw any super contributions you made before 1 July 2017. </li><li>You have not previously made a FHSSS release request. </li></ul> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-e4ba24c19d" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-7ece6ab0fa" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="save-a-first-home-deposit" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">How to save a first home deposit with FHSSS</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-6f59a032bf" class="cmp-text"> <p>Of course, there are many different ways to save a first home deposit. The benefit of doing it within your super is that you may end up paying less tax, which means you can save a deposit faster. </p> <p> </p> <p>You can actually save on tax in two ways. </p> <p> </p> <p>Firstly, you only pay of up to 15% tax on whatever earnings your super contributions make. Outside of super, in another type of investment account, you would have to pay your marginal tax rate on those earnings. </p> <p> </p> <p>Secondly, if you make before-tax super contributions (such as salary sacrifice contributions), you’ll only have to pay 15% on those contributions as well – and you’ll reduce your taxable income by the total amount of your contributions. </p> <p> </p> <p>The higher your marginal tax rate, the more you can potentially save. </p> <p> </p> <p>You can take as long as you want to save a first home deposit with the FHSSS. When you’re ready, you can withdraw up to $15,000 of the contributions you made each financial year with a maximum total withdrawal amount of $50,000 plus associated earnings. </p> <p> </p> <p>If you’re buying a home with your partner, they can use the FHSSS as well. That means you could potentially withdraw up to $100,000 plus associated earnings to put towards your first home. </p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-9d816f7e58" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-3273c87435" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-sm container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="eligible-and-ineligible-contributions" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">What are eligible and ineligible contributions? </h3> </div> </div> <div class="table aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="table" style=" --row-count: 2; --column-count: 2; --column-sizes: auto auto ; " class=" Table Table--mobileVariation-cellLabel Table--removeLeftInset-off Table--columnTitleStyle-off Table--columnTitleMobileSizeOverride-off Table--columnAlignmentOverride-off Table--columnAlignmentOverrideAll-off Table--columnAlignmentOverrideTwoPlus-off Table--rowAlignmentOverride-off Table--rowAlignmentOverrideAll-off Table--rowAlternateColours-off Table--rowHideMobileRowUnderlines-off Table--rowHideLastRowUnderline-off Table--headingStyle-off "> <div class="Table__Table" role="table"> <div class="Table__TableHead" role="rowgroup"> <div class="Table__TableRow" role="row"> <div role="columnheader" style="--column: 0" class=" h6 Table__TableColumnHeader Table__TableCell Table__TableCell--columnAlignmentOverride-off ">Eligible contributions</div> <div role="columnheader" style="--column: 1" class=" h6 Table__TableColumnHeader Table__TableCell Table__TableCell--columnAlignmentOverride-off ">Ineligible contributions</div> </div> </div> <div class="Table__TableBody" role="rowgroup"> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-off "> <div role="cell" style=" --column: 0; --row: 0; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-off "> <div class="h6 Table__TableColumnHeader"> Eligible contributions </div> <p>• Salary sacrifice contributions (arranged through your employer and paid from your before-tax income) </p> <p>• Personal contributions that you claim a tax deduction for</p> <p>• Personal contributions that you don’t claim a tax deduction for</p> </div> </div> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-off "> <div role="cell" style=" --column: 0; --row: 1; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-off "> <div class="h6 Table__TableColumnHeader"> Eligible contributions </div> <p>• Super guarantee contributions (the ones your employer makes for you) <br /> </p> <p>• Spouse contributions that your partner pays into your super account </p> </div> </div> </div> </div> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-c1e9fe28ca" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-e1e71d8663" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="apply-for-release-of-your-fhsss" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">How to apply for release of your FHSSS to buy a house </h3> </div> </div> <div class="taskstepper tabs panelcontainer aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h4"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h4"> <div class="TaskStepper__ItemCounter"></div> <span>Step 1</span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="container responsivegrid tabCordion--entry-content"> <div data-cmp-is="container" id="container-ee12898179" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-2669e66e9d" class="cmp-text"> <p>Make voluntary contributions to your super. </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h4"> <div class="TaskStepper__ItemCounter"></div> <span>Step 2</span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="container responsivegrid tabCordion--entry-content"> <div data-cmp-is="container" id="container-ed568957f5" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-ce264105b6" class="cmp-text"> <p>When you think you have enough money saved, apply to the ATO for what’s known as a FHSSS determination. You can do this through your myGov account. If your application is approved, the ATO will let you know your maximum FHSSS release amount. </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h4"> <div class="TaskStepper__ItemCounter"></div> <span>Step 3</span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="container responsivegrid tabCordion--entry-content"> <div data-cmp-is="container" id="container-4fe2e95c97" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-ed6b1a39c2" class="cmp-text"> <p>Send a withdrawal request to the ATO by submitting a release form through myGov. The ATO will assess the form and get in touch with your super fund to let them know about the withdrawal. Once the super fund pays the amount to the ATO, the ATO will withhold a certain amount of tax and pay the rest into your bank account. This is usually done within 15-20 business days. </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h4"> <div class="TaskStepper__ItemCounter"></div> <span>Step 4</span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="container responsivegrid tabCordion--entry-content"> <div data-cmp-is="container" id="container-681711272d" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-28fe370eb9" class="cmp-text"> <p>Put the money towards your home deposit. You have 12 months to buy a property or enter a contract to build a home from the date you request a FHSSS release. You only have to sign the contract within those 12 months – you don’t have to be in the property already. However, the ATO may grant you an extension for another 12 months if you can’t find what you’re looking for. </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h4"> <div class="TaskStepper__ItemCounter"></div> <span>Step 5</span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="container responsivegrid tabCordion--entry-content"> <div data-cmp-is="container" id="container-672cda348b" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-260876ba34" class="cmp-text"> <p>Within 28 days of signing the property contract, use myGov to let the ATO know you’ve bought a property. If you skip this step, you may have to pay additional tax. </p> </div> </div> </div> </div> </div> </div> </div> </li> </ol> </div> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-d67ea0ba57" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-17c23c142d" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="apply-for-FHSSS-financial-hardship" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">How to apply for FHSSS financial hardship</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-450ec495b1" class="cmp-text"> <p>While the FHSSS is intended for first home buyers, there’s an exception for people who have experienced financial hardship that resulted in them losing a property they owned. </p> <p> </p> <p>This might be due to: </p> <ul><li>bankruptcy </li><li>divorce </li><li>separation from a de-facto partner </li><li>a relationship breakdown </li><li>loss of employment </li><li>illness </li><li>a natural disaster. </li></ul> <p>The best way to find out if you’re eligible for the FHSSS financial hardship provision is to contact the ATO directly. You’ll have to provide evidence as part of your FHSSS application that shows how the hardship event resulted in you losing your property. </p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-ca9773e4ee" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-14114c0f8f" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="contribution-caps-still-apply" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">Contribution caps still apply </h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-1e1f614764" class="cmp-text"> <p>Regardless of whether the additional super contributions you’re making for your home deposit come from your before-tax income (concessional contributions) or after-tax income (non-concessional contributions), the current <a href="https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/contributions-caps#Contributions_caps">contribution caps</a> still apply. </p> <p> </p> <p>However, there are some instances where you may be able to make contributions above this amount. </p> <p><a data-tracker-locationid="cfs | text1-makinglargerconcessionalornonconcessionalcontributions" href="https://www.cfs.com.au/super/super-contributions.html#how-much-extra-should-I-contribute-to-my-super">Making larger concessional or non-concessional contributions</a></p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-3b6f76a746" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-2f4ad05903" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="tax-considerations-of-fhsss" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">What are the tax considerations of FHSSS? </h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-9d93eab331" class="cmp-text"> <p>When you withdraw money that you made as a concessional contribution (e.g. salary sacrifice contributions), the ATO will deduct tax from the amount they pay to you. This is because these contributions were made from your before-tax income, so you haven’t paid income tax on that amount. However, it won’t be as high as your marginal tax rate. The money (including any associated earnings) will be taxed at your marginal tax rate including the Medicare levy, but with a 30% tax offset. </p> <p> </p> <p>When you withdraw money that you made as a non-concessional contribution (e.g. a personal contribution that you didn’t claim a tax deduction for), the ATO won’t deduct any tax from the amount they pay to you. This is because you already paid tax on that money. </p> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-9dbcbc1210" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="container-a689ccd49c" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-md container--padding-bottom-md container--padding-right-sm container--padding-left-sm container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--grey-4 "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="saving-a-home-deposit-using-the-fhsss" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">Case study: Saving a home deposit using the FHSSS </h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-c2e3a5a02c" class="cmp-text"> <p><b>Brooke and Daniel save a deposit of $110,346 using the FHSSS </b></p> <p> </p> <p>Brooke and Daniel are saving up to buy their first home. Brooke earns $85,000 per year and Daniel earns $78,000. They both decide to contribute an additional $15,000 to super each year from their before-tax income using a salary sacrifice arrangement with their employers. These contributions will be subject to 15% super contributions tax, which means the net amount of their annual contributions will be $12,750. </p> <p> </p> <p>After four years, and assuming an earnings rate of 6.90% p.a.,* Brooke and Daniel will have each saved an additional $58,726 that they can apply to withdraw using the FHSSS. </p> <p> </p> <p>The ATO deducts tax from these contributions and earnings at their marginal tax rates, but with a 30% tax offset. This gives Brooke and Daniel a net withdrawal amount of $55,016 and $55,331 respectively, meaning they have a combined amount of $110,346 that they can put towards their first home deposit. </p> <p> </p> <p>*The ATO uses a deemed interest rate (the ‘shortfall interest charge’ rate) to calculate daily compounded earnings that can be released under the FHSS scheme. This rate is 6.90% p.a. for the July to September quarter of the 2023–24 financial year. This case study assumes contributions are made half way through each year for earnings calculation purposes. </p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-79f29b2943" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="getting-started" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">Getting started</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-06e67b0433" class="cmp-text"> <p>Additional rules may apply, so do your research before making any decisions. The FHSSS page on the <a title="https://www.ato.gov.au/Individuals/Super/Withdrawing-and-using-your-super/First-Home-Super-Saver-Scheme/" data-tracker-locationid="cfs | text1-atowebsite" href="https://www.ato.gov.au/Individuals/Super/Withdrawing-and-using-your-super/First-Home-Super-Saver-Scheme/">ATO website</a> has all the details you’ll need.</p> <p> </p> <p>You may also want to check your state or territory’s <a title="https://www.firsthome.gov.au/" data-tracker-locationid="cfs | text1-firsthomeownergrantinformation" href="https://www.firsthome.gov.au/">First Home Owner Grant information</a> to see what else you may be eligible for.</p> <p> </p> </div> </div> </div> </div> </div> </div> </div> <div class="divider container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="divider-58a7ca3fe3" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--grey-4 "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-d7afe090c3" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--white "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div id="title-3957eefb65" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">What’s next?</h2> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-8 "> </div> </div> <div class="three-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="three-column-container-df6157cc0d" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical "> <div class="CardPromo__Container verticalLine"> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/superannuation-160x120.png" alt="What is superannuation?"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> What is superannuation? </span> </h3> <div class="CardPromo__ContentCopy"><p>How does super work? 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