First Home Buyer
First Home Buyer.
Buying your first home is a big milestone — and one you don’t have to tackle alone. With the right support and government incentives, it can be easier than you think. At Home Loan Club, our mortgage brokers will guide you through the entire process and help you access all available grants and schemes.
Talk to our brokers today and find out how much you could save.
What Grants & Incentives are Available?
In Australia, first-home buyers can take advantage of a variety of federal and state-level schemes designed to help reduce costs and make home ownership more accessible.
Federal – Home Guarantee Scheme.
First Home Guarantee
Enables eligible buyers with a deposit as low as 5% to purchase without needing Lenders’ Mortgage Insurance (LMI). Up to 35,000 places available in FY 2024–25 housingaustralia.gov.auregfin.com.au.
Regional First Home Buyer Guarantee
Similar support for those purchasing in regional areas fhba.com.auregfin.com.au.
Family Home Guarantee
For eligible single parents, allowing purchase with as little as a 2% deposit fhba.com.au.
State & Territory Grants
Each state offers its own grants and stamp-duty concessions:
| State/Territory | Grant Amount | Stamp Duty Concessions |
|---|---|---|
| ACT | $10,000 | Duty exempt for incomes under $250k–$273k fhba.com.au |
| NSW | $30,000 | No duty ≤ $800k, concession up to $1M fhba.com.au.suncorpbank.com.au |
| QLD | $15,000 | No duty ≤ $700k, concessions $700k–$800k fhba.com.au.money.com.au.apimagazine.com.au |
| SA | $10,000 | Full exemption for new homes fhba.com.au.yourmortgage.com.au |
| TAS | $10,000 | No duty ≤ $750k fhba.com.au.urban.com.au |
| VIC | $10,000 | No duty ≤ $600k, concessional $600k–$750k fhba.com.au.urban.com.au |
| WA | $10,000 | Varies metro/regional; exemptions capped at $450k–$600k fhba.com.au.youi.com.au.wa.gov.au |
| NT | $50,000 | Full duty exemption for new homes fhba.com.au |
Queensland First Home Owner Grant Updated.
What You Get
Qualified first-home buyers in Queensland can receive a $30,000 boost toward the purchase or construction of a new home — significantly higher than the standard $15,000. It applies to:
Contracts signed between 20 November 2023 and 30 June 2025.
Construction works that begin in the same timeframe.
Properties (including land + dwelling) valued under $750,000 qld.gov.auqro.qld.gov.au.
Originally Expiring
The boosted payment was initially due to revert to $15,000 on 30 June 2025 qld.gov.austatements.qld.gov.au.
Now Extended to 2026
With the 2025–26 Queensland State Budget, the Queensland Government extended the $30,000 grant through to 30 June 2026, alongside stamp duty exemptions for eligible new homes ensurelegal.com.
How Our Brokers Help You Access Grants.
Check Your Eligibility
We’ll guide you through federal and state criteria—income caps, property type, residency, etc.
Estimate Your Savings
Get tailored estimates of upfront cost reductions from both the FHOG and stamp-duty savings.when house-hunting and shows sellers you’re serious.
Handle Your Application
We’ll assist with the paperwork and walk you through each step of applying for grants.
Match You with the Right Loan
Combine your grant eligibility with a competitive loan structure—your broker compares options to suit your situation.
Why Home Loan Club?
Up-to-date on Grants
We stay current with all federal and state changes.
Streamlined Process
Apply for grants and loans in one seamless step.
Expert Guidance
Your broker supports you from eligibility check to settlement and beyond.
Ready to explore government support and get the best loan?
What’s Next?
Consider using your grants to boost your deposit.
Understand how grants can reduce your LMI and borrowing costs.
Ask your broker about how this impacts long-term repayments and flexibility.
What’s Next?
Consider using your grants to boost your deposit.
Understand how grants can reduce your LMI and borrowing costs.
Ask your broker about how this impacts long-term repayments and flexibility.
