Buying your
first home?
Government grants and concessions available to Australian first-home buyers — broken down state by state.
Eligibility Quiz
See what you may qualify for
Answer 5 quick questions and we'll show you which grants, concessions and schemes may apply to you.
Which state or territory are you buying in?
Grant
First Home Owners Grant (FHOG)
A one-off grant for eligible first-home buyers building or buying a new home. Amounts, value caps and occupancy rules differ by state and territory.
$10,000
Build value up to $750,000. Must occupy the property for >12 months.
$10,000
New homes up to $600,000, or $750,000 for a house-and-land build. Occupy >12 months.
$30,000
Build value up to $750,000. Must occupy the property for >6 months.
$15,000
No max value. Must occupy the property for >6 months.
$10,000
Value up to $800,000 (south) or $1,000,000 (north of 26th parallel). Occupy >6 months.
$20,000*
New homes only, no value cap. Occupy >6 months. *Announced for 1 July 2026 – 30 June 2027, subject to legislation — confirm with the State Revenue Office of Tasmania.
$50,000
New homes, no limit (HomeGrown Territory grant). Occupy >12 months.
Expires 30/09/26NIL
No First Home Owners Grant currently offered.
Concession
Stamp Duty Concessions
Many states waive or reduce stamp duty for first-home buyers under certain property-value thresholds. Vacant land may have separate caps.
$0
when under $600,000. Reduced duty between $600,000–$750,000.
$0
when under $800,000 (under $350k for vacant land). Reduced duty $800,000–$1,000,000 ($350k–$450k land).
$0
New homes & vacant land: full exemption, no cap (from 1 May 2025). Established homes: $0 under $700,000, reduced $700,000–$800,000.
$0
Abolished on new homes & vacant land — no property value cap (contracts on/after 6 June 2024).
$0
when under $600,000 (under $450,000 vacant land), reduced rates above — thresholds raised in the May 2026 budget.
NIL
First-home stamp duty exemption ended 30 June 2026. No concession currently offered for settlements after that date.
NIL
No first-home stamp duty concessions currently offered.
$0*
when under $1,020,000, concessional $1,020,000–$1,455,000. *Income-tested ($170k single / $227k couple).
Federal Scheme
5% Deposit Scheme
The Australian Government 5% Deposit Scheme (formerly the First Home Guarantee) supports buyers who have saved a minimum deposit of 5% of the property value, and meet other eligibility criteria, to buy a home. Housing Australia provides a guarantee to the participating lender, enabling you to borrow up to 95% of the property value and avoid Lenders Mortgage Insurance (LMI). Since 1 October 2025 the scheme has no income caps and no limit on places, with higher property price caps across all streams.
Federal Scheme
Australian Government Help to Buy Scheme
The Australian Government Help to Buy Scheme is now open for applications. Eligible home buyers can apply through one of the Participating Lenders. It's a new initiative designed to support more Australians to buy a home — if you've saved what you can but are still a little short, Help to Buy may be able to bridge the gap. With 10,000 places available each year, it's helping thousands of Australians make the step into home ownership.
Eligibility Criteria2%
minimum deposit for eligible home buyers
40%
government contribution on newly built homes (30% existing)
Tax Benefit
Super Scheme
The First Home Super Saver (FHSS) scheme lets you make personal voluntary contributions into your super fund to help save for your first home. Concessional contributions are taxed at 15%, and assessable FHSS amounts also benefit from a 30% FHSS tax offset.
Eligibility Criteria15%
tax on concessional contributions
30%
FHSS tax offset on assessable amounts
See what you qualify for
Get a free, no-obligation review and find out which first-home grants, concessions and schemes apply to you — in minutes.
Information is general in nature and a guide only — grant amounts, value caps, eligibility and expiry dates change frequently and vary by state. Always confirm current details with the relevant state revenue office or Housing Australia before making decisions. This is not financial or legal advice. Last reviewed: July 2026.