Only 37 people have been accepted so far onto the Government's shared equity scheme for first-home buyers.
Strict criteria mean only those with a household income of between $55,000 - $85,000 qualify.
Housing Minister Maryan Street is on Friday visiting the first family to buy a house under a pilot scheme, which began in July.
Interest-free loans are repaid on sale of the house, with incentives to repay sooner.
The amount homeowners repay depends on how much the home's value has increased or reduced over the term of the loan.
The Minister is visiting Sunflower Feltham, 31, and her partner of 14 years, Benjamin Jeffares, who moved into their Avondale home a fortnight ago, after borrowing 30% of their home loan from the Government.
She is a student midwife and he is a sales rep, and they have lived with flatmates to save to get on the first rung of the property ladder.
Their house is the first of five to be bought so far under the scheme.
Ms Street says the pilot scheme aims to approve 500 - 700 loans over two years and admits the rate of interest in the scheme will have to grow substantially for that figure to be reached.
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