Navigating first home buyer support shouldn't feel like a maze. Below we break down every major federal and state grant or scheme currently available, what it actually means for you, and where to go for the official details.
A federal scheme, administered by Housing Australia, that lets eligible first home buyers purchase with as little as a 5% deposit and pay no Lenders Mortgage Insurance (LMI). The government guarantees up to 15% of the property value, so lenders treat the loan as if you had a full 20% deposit. You're still borrowing 95% of the purchase price — the guarantee simply removes the LMI cost and gets you into the market sooner.
Recent changes: from 1 October 2025, the income caps that previously applied ($125,000 for individuals, $200,000 for couples) were removed entirely, along with the annual cap on the number of places. Property price caps were also lifted significantly.
Check current price caps at firsthomebuyers.gov.au ↗
↑ Back to topA one-off, tax-free cash payment from your state or territory government to help first home buyers purchase or build a brand new home. Unlike the First Home Guarantee, the FHOG only applies to new or substantially renovated properties — established homes don't qualify. The amount and the property price cap differ from state to state.
Click your state below for the official grant page:
ACT ↗ NSW ↗ NT ↗ QLD ↗ SA ↗ TAS ↗ VIC ↗ WA ↗
↑ Back to topAs a first home buyer, you may be entitled to a full exemption or a concessional rate on transfer duty (commonly known as stamp duty). Unlike the FHOG, these concessions usually apply to both new and established homes, and are administered separately in each state.
Click your state below for the official concession page:
ACT ↗ NSW ↗ NT ↗ QLD ↗ SA ↗ TAS ↗ VIC ↗ WA ↗
↑ Back to topLets you save for your first home deposit inside your super fund, where contributions are taxed more favourably than regular savings. You can make voluntary (salary sacrifice or personal) contributions of up to $15,000 per financial year, then withdraw them — plus deemed earnings, less tax — to put towards your deposit.
This scheme has real tax and timing implications — we'd recommend speaking with your accountant or financial planner alongside your broker before relying on it.
↑ Back to topA federal scheme administered by Housing Australia, designed to support eligible single parents and single legal guardians with at least one dependent child in purchasing a family home. You don't need to be a first home buyer to qualify — previous owners who don't currently own a home are also eligible.
See the Housing Australia FHG page ↗
↑ Back to topA newer federal shared-equity scheme. The Commonwealth Government contributes up to 30% of the purchase price for an existing home, or up to 40% for a new build, in exchange for an equivalent equity share in your property. This reduces the size of the loan you need, and therefore your repayments — but when you sell, the government receives its proportional share of the sale price, not just its original contribution.
Help to Buy and the First Home Guarantee suit different circumstances — we can model both side by side to show which gets you into your first home sooner.
↑ Back to topGrant amounts, price caps and eligibility criteria are reviewed periodically by government and can change without notice. The figures above reflect our understanding as at mid-2026 and are general information only — they don't take your personal circumstances into account. Always confirm current details with the relevant state revenue office or Housing Australia, and speak with us before relying on any scheme for your purchase.
We'll work out exactly which grants and schemes you're eligible for, and how to stack them.