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First Home Buyer Info
Buying your first home is one of the biggest financial decisions you’ll make, and understanding the various government grants, concessions, and eligibility criteria can significantly affect how much you spend or save.
Each Australian state and territory offers unique programs tailored to first-time buyers, including stamp duty exemptions, deposit assistance, and shared equity schemes. Knowing the specific support available in your location can help you plan smarter, avoid unexpected costs, and fast-track your property journey with greater confidence.
Whether you're buying in Victoria, New South Wales, Queensland, or beyond—being informed means being empowered.
National Scheme
Home Guarantee Scheme (First Home Guarantee, Regional & Family guarantees):
Allows first-home buyers to purchase with a 5% deposit (or 2% for family buyers), with the government guaranteeing up to 15–18%—no LMI required
Victoria (VIC)
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First Home Owner Grant (FHOG): $10,000 for new homes ≤ $750,000 (contracts after 1‑Jul‑2013)
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Stamp duty exemptions/concessions: Full exemption up to $600,000, with concessional rates up to $750,000
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Additional support: Victorian Homebuyer Fund, reduced duty for off-the-plan properties
🔗 VIC State Revenue Office – FHOG
🔗 VIC Gov – Support for first home buyers
New South Wales (NSW)
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First Home Buyers Assistance Scheme: Full stamp-duty exemption for homes up to $800,000; concessions up to $1 million
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First Home Owner (New Homes) Grant: Available for new constructions.
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DIY eligibility check tool: “Home Buyer Assistance Finder” on nsw.gov.au
🔗 Victorian Government+9Revenue NSW+9 Revenue NSW+9.
🔗 Revenue NSW – First Home Buyers Assistance
🔗 FHOG Application – NSW via FirstHome.gov.au
Queensland (QLD)
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First Home Owner Grant: $30,000 for contracts signed between 20 Nov 2023–30 Jun 2026;
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otherwise $15,000
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Stamp duty concessions & duty-free land: First-home buyers get concessions and exemptions.
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2025 Budget Boost to Buy:
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Shared equity scheme covering up to 30% government stake, deposits from 2%, income caps apply
🔗 Qld Govt – First Home Owner Grant
🔗 Apply FHOG – via FirstHome.gov.au
🔗 Qld Housing – Boost to Buy scheme
Western Australia (WA)
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First Home Owner Grant: $10,000 for new owner-occupied homes Queensland Revenue
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Stamp duty concession: Eligible on new homes.
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Home Buyers Assistance Account: Up to $2,000 reimbursement for associated purchase costs consumerprotection.wa.gov.au.
