If you’re buying your first home, you may be eligible for grants and stamp duty savings that reduce the upfront cost. We’ll check what applies in your state, confirm the rules, and help you use every available benefit in your loan plan.
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Typical First Home Owner Grant amounts across Australian states
Up to
Maximum stamp duty savings available for eligible first home buyers
deposit
Minimum deposit possible through Government-backed schemes
Rules change regularly.
Eligibility criteria and grant amounts are updated by state and federal governments throughout the year.
Personal eligibility varies.
This is general information only. Your specific eligibility depends on your income, property choice, and circumstances.
Different requirements apply.
Each program has its own income caps, property price limits, and residency requirements you must meet.
Confirmed right for you.
In your free assessment, we’ll review your situation and identify exactly which grants and schemes you qualify for.
Support programs explained simply.
Here are the main types of support available to first home buyers across Australia.
01
First home owner grant.
A one-off payment from your state government to help with deposit or purchase costs. Amounts and eligibility vary by state — typically $10,000 to $25,000 for new homes or first home buyers.
02
First home guarantee scheme.
A federal government program that lets you buy with as little as 5% deposit without paying lenders mortgage insurance. Limited places available each year — we help you understand if you qualify and how to apply.
03
Stamp duty concessions & exemptions.
Reduced or waived stamp duty for eligible first home buyers, potentially saving you tens of thousands of dollars. Available in all states but with different property price caps and buyer requirements.
01.
We check your eligibility.
Every state has different schemes with different rules. We review your situation and tell you exactly which grants, concessions, and programs apply to you, so you don’t miss anything you’re entitled to.
02.
We prepare and time the applications.
Grant applications have specific requirements and deadlines. We prepare the documentation, submit applications at the right time, and make sure everything is coordinated with your loan settlement.
03.
We coordinate grants with your loan plan.
Some grants must be claimed before settlement, others after. Some affect your loan structure. We manage the sequence so you maximize your benefits without delays or complications.
Book a free call or complete the form below. We’ll review your income and show you what’s possible, no obligation, no credit check.
We’re here to help you with your home loan needs.
