What is the First Home Owner Grant?

The First Home Owner Grant (FHOG) is a one-off government payment to eligible first home buyers purchasing or building a new home. Amounts vary by state: QLD $30,000, TAS $30,000, WA $10,000, NSW $10,000, VIC $10,000, SA $15,000, NT $10,000. The ACT does not have a FHOG but offers the Home Buyer Concession Scheme.

Can first home buyers avoid stamp duty?

Yes, in most states. NSW exempts properties up to $800,000; VIC up to $600,000; QLD up to $500,000; WA up to $430,000; TAS gives 50% discount under $600,000; ACT has the HBCS income-tested exemption. Thresholds and conditions vary.

What is the First Home Guarantee scheme?

The First Home Guarantee (formerly FHLDS) allows eligible first home buyers to purchase with a 5% deposit without paying Lenders Mortgage Insurance. The government guarantees up to 15% of the property value. Property price caps apply by location.

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First Home Buyer Calculator

Calculate your stamp duty savings and First Home Owner Grant eligibility by state.

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First Home Buyer Benefits by State (2025–26)

State	Duty Exemption Threshold	FHOG
NSW	Exempt ≤$800K; concession $800K–$1M	$10,000 (new builds)
VIC	Exempt ≤$600K; concession $600K–$750K	$10,000
QLD	Exempt ≤$500K; concession $500K–$550K	$30,000
SA	No stamp duty concession	$15,000 (new builds)
WA	Exempt ≤$430K; concession $430K–$530K	$10,000
TAS	50% discount ≤$600K	$30,000 (new builds)
NT	FHOD up to $18,601 on homes ≤$650K	$10,000
ACT	HBCS full exemption (income-tested)	N/A

Federal Schemes

First Home Guarantee (FHBG): Buy with 5% deposit, no LMI. Property price caps apply ($900K in NSW/VIC, $650K in QLD, etc.)

First Home Super Saver Scheme (FHSSS): Voluntarily contribute to super, then withdraw up to $50,000 (from 2022) for a first home deposit, taxed at your marginal rate less 30%.

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Frequently Asked Questions

Do I need to live in the property to get the FHOG?

Yes. The First Home Owner Grant requires you to move into the property within 12 months of settlement or completion (for new builds) and live there continuously for at least 6–12 months (depending on state). Renting the property immediately after purchase makes you ineligible.

Can I get the FHOG on an investment property?

No. The FHOG is specifically for owner-occupiers who have never previously owned residential property in Australia. It cannot be claimed for investment properties.

Can my partner and I both get first home buyer benefits?

As a couple purchasing together, you are treated as one applicant. You can receive the grant and concessions jointly, but only once. If one partner has previously owned property, you may not qualify for the grant (check state-specific rules).

What is the First Home Super Saver Scheme?

The FHSSS lets you make voluntary super contributions (up to $15,000/year, max $50,000 total) and withdraw them for a first home deposit. The contributions are taxed at 15% going in, and withdrawals are taxed at your marginal rate minus 30% — creating a tax advantage for most buyers.

Disclaimer: Eligibility for first home buyer benefits varies by state and personal circumstances. This calculator provides estimates only. Confirm current thresholds and conditions with the relevant state revenue office. Not financial or legal advice.

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First Home Buyer Calculator

First Home Buyer Benefits by State (2025–26)

Federal Schemes

Frequently Asked Questions

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