Buying your first home in Australia can feel overwhelming, but government grants and incentives can make it more affordable. Across Australia, each state and territory offers a First Home Owner Grant (FHOG) and additional concessions on stamp duty to help first-time buyers get on the property ladder.
Here’s your complete state-by-state guide to the latest first home buyer grants and schemes available in 2025.
1. What Is the First Home Owner Grant (FHOG)?
The First Home Owner Grant is a one-off payment from state governments to eligible first-time buyers purchasing a newly built home or building a home themselves.
It does not apply to established (existing) homes in most states.
Grant amounts and eligibility vary by state.
2. National Schemes for First Home Buyers
In addition to state grants, the federal government offers:
- First Home Guarantee Scheme: Buy with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI)
- Family Home Guarantee: For single parents with as little as 2% deposit
- First Home Super Saver Scheme: Withdraw up to $50,000 of voluntary super contributions for a home deposit
3. First Home Buyer Grants by State (2025)
New South Wales (NSW)
- FHOG: $10,000 for new homes up to $750,000
- Stamp Duty: Exemptions or discounts for homes up to $800,000
Victoria (VIC)
- FHOG: $10,000 for new homes up to $750,000
- Stamp Duty: Full exemption up to $600,000, discounts to $750,000
Queensland (QLD)
- FHOG: $30,000 for new homes up to $750,000 (highest grant in 2025)
- Stamp Duty: Concessions for homes under $550,000
Western Australia (WA)
- FHOG: $10,000 for new homes under $750,000 (metro) / $1 million (regional)
- Stamp Duty: Discounts available for homes up to $530,000
South Australia (SA)
- FHOG: $15,000 for new homes under $650,000
- Stamp Duty: Concessions for first-home buyers (limits apply)
Tasmania (TAS)
- FHOG: $30,000 for new homes built by 30 June 2026
- Stamp Duty: Limited concessions for first-home buyers
Australian Capital Territory (ACT)
- FHOG: No cash grant, but stamp duty exemptions for eligible incomes
- Stamp Duty: Full exemptions for homes under $750,000
Northern Territory (NT)
- FHOG: $10,000 for new homes
- Stamp Duty: First Home Owner Discount (FHOD) available up to $18,601 on stamp duty
4. Who Is Eligible?
Typical eligibility requirements:
- Must be an Australian citizen or permanent resident
- Must not have owned property before
- Must live in the home as your principal place of residence for 6–12 months
- Must buy or build a new home (established homes rarely qualify)
Check your state’s Revenue Office website for full eligibility and property value limits.
5. How to Apply for the First Home Owner Grant
- Apply directly through your lender or mortgage broker when financing your home loan
- Or apply online through your state’s Revenue Office website
Supporting documents usually include your contract of sale, ID, and building contract (if constructing).
Final Thoughts
First home buyer grants and schemes can reduce the upfront cost of buying your first home, but they are only available on new properties in most cases. Combined with federal schemes, first-home buyers in 2025 have strong support across most states.
Always speak with your mortgage broker or conveyancer to maximise your eligibility and understand how much you can save.