Does the Australian Government Guarantee Scheme include non-residents?

Yes, its does. The residency status of the account holder is irrelevant. If you're eligible and able to open an account and deposit money with a licensed ADI in Australia, then your deposit up to $250,000 is protected by the scheme.

Is my SMSF bank deposit covered under the government guarantee?

Yes, money held in an Australian ADI by an SMSF or trust is included in the scheme. The SMSF is considered to be one account holder, regardless of how many individual members or trustees are listed on the account. This means that if your SMSF has four members and there's a total of $500,000 in the bank account, it's treated as one account holder and only $250,000 is protected under the scheme. Because an SMSF is considered to be its own account holder, if you have a personal account in your name and also an SMSF cash account with the same ADI, both would be protected (up to $250,000 each).

Are mortgages included in the government guarantee?

Your mortgage is a loan from the bank, so it's not covered in the government guarantee. If in the unlikely event that your bank did fail, deposit holders would be covered by the government and mortgages will likely be transferred to a partner bank or lender.

Are digital neobanks covered by the Australian Government Guarantee Scheme?

Rest assured, digital banks need to go through a strict regulatory approval process to be granted an ADI license. If they're granted a full ADI license then they are included in the Government Guarantee Scheme and your deposit up to $250,000 is protected.