Six consecutive annual editions, which matters more than any single one: a series maintained through changes of scheme design and of government is worth more than a better-formatted one-off.

The reason it is recorded as a win is the portfolio risk reporting. As at 30 June 2025 the 2024-25 edition gives loan arrears of 0.3 per cent, hardship support accessed by 0.9 per cent of borrowers, and three claims paid since the scheme launched -- two of them in that year. Figure 15 plots hardship and arrears against every RBA cash rate decision from September 2022, and the text identifies the Family Home Guarantee as carrying disproportionate stress.

Publishing the statistic that would embarrass you if it moved is the behaviour this register is trying to identify and reward. Format is the only real criticism -- a PDF, where a CSV would let anyone track the series themselves.

CORRECTION, 2026-09-03. This record previously carried last_checked = 2026-09-01. That was wrong: the document was never opened. The entry was written from the publisher's web pages and from reporting about them.

The project's own rule is to set last_checked only when someone has opened the data, and to leave it empty otherwise. The date has been removed. Everything else in the record stands as reported.

CORRECTION, 2026-09-03. This record previously described the report as publishing a "default rate" of 12 defaults since 2020. The report was then downloaded and read: it publishes claims paid, arrears and hardship, and contains neither that figure nor the 240,000 guarantee count once attached to it. Claims are a subset of defaults -- paid only where the sale proceeds also fall short -- so the two are not interchangeable. Summary corrected and the record marked verified.