SERVICES
Home LoanRefinanceInvestment LoanSMSF LoanPersonal LoanCar LoanBusiness LoanBuilding LoanCommercial Loan
CALCULATORS
Borrowing Power CalculatorMortgage Repayment CalculatorInvestment Property Cashflow CalculatorCapital Growth CalculatorCompound Interest CalculatorAmortization CalculatorInterest Savings CalculatorLiving Expense CalculatorYear-To-Date Calculator
RESOURCES
Lender CashbacksLender OffersLender FeesFirst Home BuyersReferral ProgramBroker Hub
ABOUT US
CONTACT US
ENQUIRE
SERVICES
Home LoanRefinanceInvestment LoanSMSF LoanPersonal LoanCar LoanBusiness LoanBuilding LoanCommercial Loan
CALCULATORS
Borrowing Power CalculatorMortgage Repayment CalculatorInvestment Property Cashflow CalculatorCapital Growth CalculatorCompound Interest CalculatorAmortization CalculatorInterest Savings CalculatorLiving Expense CalculatorYear-To-Date Calculator
RESOURCES
Lender CashbacksLender OffersLender FeesFirst Home BuyersReferral ProgramBroker Hub
ABOUT US
CONTACT US
ENQUIRE

First Home Buyers

Get into your first home sooner with the support of the Australian Government.

Find out the criteria for ALL-STATES.

FHOG (First Home Owners Grant)

  • VIC: $10,000 (value up to $750,000) - must occupy the property for >12 months
  • NSW: $10,000 (value up to $750,000) - must occupy the property for >6 months
  • QLD: $30,000* (value up to $750,000) - must occupy the property for >6 months (expires: 30/06/26*)
  • SA: $15,000 (no max value) - must occupy the property for >6 months
  • WA: $10,000 (value up to $750,000 (south) or $1,000,000 (north) of 26th parallel) - must occupy the property for >6 months
  • TAS: $10,000 (no limit) - must occupy the property for >6 months
  • NT: $10,000 - $50,000 (no limit) - must occupy the property for >12 months (expires: 30/09/25)
  • ACT: NIL

FHOG FORMS

STAMP DUTY CONCESSIONS

  • VIC: $0 stamp duty when <$600,000, reduced stamp duty between $600,000 - $750,000
  • NSW: $0 stamp duty when <$800,000, (<$300,000 - $400,000 for vacant land), reduced stamp duty between $800,000 - $1,000,000
  • QLD: $0 stamp duty when <$709,999 (<$359,999 for vacant land), reduced stamp duty between $710,000 - $800,000
  • SA: *$0 stamp duty when <$650,000, reduced stamp duty between $650,000 - $700,000 (brand new homes only*)
  • WA: $0 stamp duty when <$500,000 (<$350,000 for vacant land), reduced stamp duty between $500,001 - $700,000
  • TAS: $0 stamp duty when <$750,000
  • NT: NIL concessions
  • ACT: $0 stamp duty when <$1,000,000, concessional stamp duty between $1,000,000 - $1,455,000

5% DEPOSIT SCHEME (Home Guarantee Scheme)

The First Home Guarantee supports home 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 to enable you to borrow up to 95% of the Property Value.