YOUR FIRST PROPERTY

First-home grants & stamp duty assistance.

Find the schemes to check. Understand what they change in your budget.

Find your starting point

How will you use the property?I’ll live in itA home for you.I’ll rent it outAn investment from the start.Live in it, then rent itA possible change of use.

Property locationProperty type Optional

Start with your plans.

Choose a use and location to narrow the information below. This is a guide to the schemes, not an eligibility decision.

A grant

A payment for an eligible purchase. Confirm both the amount and when it is paid.

Duty relief

An exemption or concession reduces the duty bill. It is separate from a grant.

A loan guarantee

Government backing for an eligible loan. It is not cash to put towards the price.

OFFICIAL SCHEME INFORMATION

Your state or territory

Sources checked 14 September 2026

New South Wales

Check the First Home Buyers Assistance Scheme for duty relief and the separate new-home grant. Purchase value, prior ownership and residence conditions matter.

Revenue NSW Estimate New South Wales stamp duty

Victoria

The First Home Owner Grant applies to eligible new homes. Duty relief is a separate benefit; check its conditions and property-value limits.

State Revenue Office Estimate Victoria stamp duty

Queensland

Home and first-home duty concessions differ from the grant. Previous investment ownership can be treated differently across benefits.

Queensland Revenue Office Estimate Queensland stamp duty

Western Australia

Check the first home owner grant and first home owner rate of duty separately. Recent changes make the transaction date especially important.

RevenueWA Estimate Western Australia stamp duty

South Australia

First-home duty relief covers eligible new homes, off-the-plan apartments and land for a new home. The grant requires a separate application.

RevenueSA Estimate South Australia stamp duty

Tasmania

Check grant rules for new homes and the dates of any duty relief. Do not carry forward an expired established-home concession.

State Revenue Office Tasmania Estimate Tasmania stamp duty

Australian Capital Territory

The Home Buyer Concession Scheme changed from July 2026. Prior ownership and residence conditions remain relevant even where price and income caps were removed.

ACT Revenue Office Estimate Australian Capital Territory stamp duty

Northern Territory

Check the current HomeGrown Territory programme and any separate duty assistance. New-home and established-home programmes have different contract windows.

Northern Territory Government Estimate Northern Territory stamp duty

Confirm the conditions for your contract and settlement dates, property, ownership history and co-buyers. Thresholds alone do not establish eligibility.

FEDERAL ASSISTANCE

The 5% Deposit Scheme

This is an owner-occupier loan guarantee, not a cash grant. Investment properties are excluded, and occupancy obligations continue after purchase.

Check Housing Australia’s requirements ↗

Planning to rent it out later?

Check every scheme you use. One completed residence period does not settle the obligations of another benefit.

Read the change-of-use guide ↗

Put the assistance into a real budget

Use confirmed amounts alongside the deposit, purchase costs and a buffer. Only count a grant towards settlement funding if it will be available by then.