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First Home Buyer Guide Australia

Grants, schemes, calculators, and expert advice to help you buy your first home

5%
Min. Deposit
$30K
Max Grant (QLD/TAS)
$0
Broker Cost
30+
Lenders Compared

First Home Owner Grants by State

State FHOG (New Homes) Stamp Duty Relief Find Brokers
NSW $10,000 (under $600K) Exempt up to $800K NSW Brokers →
VIC $10,000 (under $750K) Exempt up to $600K VIC Brokers →
QLD $30,000 (under $750K)* Exempt up to $700K QLD Brokers →
SA $15,000 (under $650K) Relief on new homes SA Brokers →
WA $10,000 (under $750K) Exempt under $430K WA Brokers →
TAS $30,000 (new homes) 50% discount (established) TAS Brokers →
ACT No FHOG Full concession to $1M ACT Brokers →
NT $10,000 (new homes) $18,601 discount NT Brokers →

* QLD $30,000 grant may revert to $15,000 after 30 June 2026. Check current eligibility.

Federal Government Schemes

First Home Guarantee (FHBG)

Buy with 5% deposit and no LMI. The government guarantees up to 15% of the property value. 35,000 places per year.

Help to Buy (Shared Equity)

Government contributes up to 40% of a new home (30% existing), reducing your mortgage. Income-tested.

First Home Super Saver Scheme

Withdraw up to $50,000 in voluntary super contributions for your deposit, taxed at concessional rates.

Family Home Guarantee

Single parents can buy with just 2% deposit and no LMI. 5,000 places per year.

Calculators & Tools

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Repayment Calculator

Calculate monthly repayments based on price, deposit, and interest rate
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Stamp Duty Calculator

Estimate stamp duty by state with first home buyer exemptions
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Borrowing Power

Find out how much a lender might approve you for

Guides & Articles for First Home Buyers

First Home Buyer Grants by State 2026

Complete guide to first home buyer grants, stamp duty exemptions, and government schemes in every Australian state and territory for 2026.

Read →

Stamp Duty Guide by State 2026

Complete guide to stamp duty costs in every Australian state.

Read →

What Credit Score Do You Need for a Home Loan?

Find out what credit score you need to get approved for a home loan in Australia.

Read →

How Much Can You Borrow for a Mortgage in 2026?

Find out how much you can borrow for a home loan in 2026.

Read →

How to Buy a House with a 5% Deposit in Australia 2026

You do not need a 20% deposit to buy a home.

Read →

First Home Buyer Grants 2025: State-by-State Guide

Every grant, scheme, and concession available to first home buyers in Australia.

Read →

Common Questions

How much deposit do I need for my first home?

You can buy with as little as 5 per cent deposit under the First Home Guarantee scheme, or 2 per cent with the Family Home Guarantee for single parents. Without government support, most lenders require 5 to 20 per cent deposit. With less than 20 per cent, you will typically pay Lenders Mortgage Insurance.

Do first home buyers pay stamp duty?

Most states offer stamp duty exemptions or concessions for first home buyers. For example, NSW offers full exemption on properties up to $800,000, Victoria up to $600,000, and Queensland up to $700,000. Check the table above for your state.

Should I use a mortgage broker as a first home buyer?

Absolutely. A broker compares 30+ lenders for free, knows all available grants and schemes, handles paperwork, and ensures you are getting the best deal. First home buyers benefit the most from broker expertise because the process is new and complex.

Ready to Buy Your First Home?

A first home buyer specialist broker can identify every grant you are eligible for and find the best loan from 30+ lenders — at no cost to you.

Find a First Home Buyer Specialist