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Buying a home

Everything you need to know about the First Home Owners Grant in your state


This article is part of the Suncorp Home Buying Guide. A handy selection of articles, calculators and services to help you on your property buying journey.

Buying your first home is an exciting time, it's can also be an expensive one. Between home loans, stamp duty, inspections, and conveyancers, there's plenty to consider. Thankfully, there are several grants and reductions that apply to eligible first home buyers, all of which can help give you a helping hand. Here, we look at what each state offers in terms of a first-time home buyers grant, so that when the time is right to buy, you'll know the help available to you.

What is the First Home Owners Grant?

The First Home Owners Grant (FHOG) scheme was introduced on 1 July 2000 to offset the effect of the GST on home ownership. It's a national scheme funded by the states and territories and administered under their own legislation. Under the scheme, a one-off grant is payable to first home owners that satisfy all the eligibility criteria (firsthome.gov.au).

How the Grant works for first home buyers – state by state

The First Home Owners Grant details including eligibility criteria varies depending on which state or territory you intend to buy your first home in. Here's how it works in your state^:

First Home Owners Grant QLD

How much can you get? $15,000 or $20,000

What can you get it for? 

  • $15,000 for contracts dated October 1st 2012 to June 30th 2016 or July 1st 2018 and after.
  • $20,000 for contracts dated from 1 July 2016 to 30 June 2018
  • Buying or building a new home valued up to $750,000

Other exemptions or concessions: Stamp duty concessions are available for first home buyers of properties valued up to $550,000. These amounts vary depending on the purchase price. 

For more information, visit: Queensland Government

First Home Owners Grant VIC

How much can you get? $10,000 or $20,000

What can you get it for? 

  • $10,000 for urban homes
  • $20,000 for regional Victoria (with contracts signed from 1 July 2017 to 30 June 2020)
  • New home valued up to $750,000

Other exemptions or concessions: Victorian first home buyers are also exempt from paying stamp duty on properties valued up to $600,000, while a concession is available for properties valued between $600,001 and $750,000. A one-off stamp duty reduction is of up to 50% is available if you entered your contract before July 1st 2017.

For more information visit: State Revenue Office Victoria

First Home Owners Grant NSW

How much can you get? $10,000

What can you get it for? 

  • A new home valued up to $600,000
  • A new home valued up to $750,000 if you enter a contract to build or are an owner-builder

Other exemptions or concessions: First home buyers in NSW are exempt from paying stamp duty on homes valued up to $650,000. Stamp duty concessions apply to first home buyers if the value of the home is between $650,000 and $800,000.

For more information, visit: Office of State Revenue New South Wales

First Home Owners Grant WA

How much can you get? $10,000

What can you get it for?

  • Up to $750,000 for new homes purchased south of the 26th parallel
  • Up to $1m for new homes purchased north of the 26th parallel

Other exemptions or concessions: Stamp duty concessions are available for first home buyers of properties valued up to $530,000. These amounts vary depending on the purchase price.

For more information, visit: Government of Western Australia

First Home Owners Grant SA

How much can you get? Up to $15,000

What can you get it for?

  • New homes valued up to $575,000 (if the property is intended as your principal place of residence (PPR) and you intend to live there for 6 months, within a year of settlement)

Other exemptions or concessions: Stamp duty concessions are only available to buyers of off-the-plan apartments who entered into a contract before July 1st 2018.

For more information, visit: Government of South Australia

First Home Owners Grant TAS

How much can you get? $20,000

What can you get it for?

  • New homes or off-the-plan properties only
  • The $20,000 FHOG will revert to $10,000 as of June 30th 2019

Other exemptions or concessions: No stamp duty concessions are available to first home buyers.

For more information, visit: Tasmania Government – Department of Treasury and Finance

First Home Owners Grant NT

How much can you get? $26,000.

What can you get it for?

  • New homes only

Other exemptions or concessions: A stamp duty concession of up to $23,928.60 is available on established homes only, valued up to $600,000. Those who are eligible for the First Home Owners Grant may also be eligible for the Household Goods Grant which will offer you $2000 to buy household goods.

For more information, visit: Northern Territory Government

First Home Owners Grant ACT

How much can you get? $7,000

What can you get it for?

  • New or substantially renovated properties valued up to $750,000 (including land value)
  • Payment of the First Home Owner Grant will end for transactions entered into after 30 June 2019

Other exemptions or concessions: Stamp duty concessions are available for first home buyers on new homes or vacant land purchases – valued less than $607,000 for new homes and less than $329,500 for vacant land.

For more information, visit: ACT Revenue Office

Are you eligble for the First Home Buyers Grant

Check the specific website for First Home Buyers in your state, called out above. Each state differs in what they offer, under what conditions.

To get more insights into where you’re at in terms of being ready to buy, contact a mortgage speciaitst such as a Suncorp Mobile Lender. Speaking to a professional will help give you a realistic indication of your next steps, help you submit your grant application and help you lock in the right home loan.

Contact a Mobile Lender

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^ State based information correct as of 4 October 2018.

Information is intended to be of a general nature only and any advice has been prepared without taking into account any person's particular objectives, financial situation or needs. You should make your own enquiries, consider whether advice is appropriate for you and read the relevant Product Disclosure Statement or Product Information Document before making any decisions about whether to acquire a product

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