Buying your first home is one of the most exciting milestones, but it can also feel overwhelming with so many financial considerations and government grants available. As a first home buyer, you may be eligible for various grants and schemes designed to help you get into the property market sooner and with more confidence.
Why State Grants Matter
Each Australian state and territory offers different grants and incentives to support first home buyers. These grants can significantly reduce your upfront costs and make the home buying journey more affordable. However, eligibility criteria, grant amounts, and property requirements vary widely depending on where you plan to buy.
You can access up-to-date information on each Australian State and Territory grant at: www.firsthome.gov.au
Below is a snapshot of State Grants available as at February 2026:
Examples of State Grants
- New South Wales (NSW): First Home Owner Grant (FHOG) offers a lump sum for eligible buyers purchasing new homes, plus stamp duty concessions for properties under certain price caps.
- Victoria (VIC): FHOG provides up to $10,000 for new homes, with additional stamp duty exemptions or concessions depending on the property value.
- Queensland (QLD): Offers a First Home Owner Grant for new homes and stamp duty concessions for eligible buyers.
- Western Australia (WA): FHOG includes grants up to $10,000 and stamp duty concessions depending on the location and property price.
- Other states and territories have their own schemes, such as the First Home Super Saver Scheme (FHSSS), regional incentives, and family home guarantees.
Why Working with a Mortgage Broker Makes a Difference
Navigating the various grants, eligibility rules, and application processes can be complex. That’s where RLG comes in. Our brokers have in-depth knowledge of the latest state-based grants and federal schemes, including:
- First Home Owner Grant (FHOG)
- First Home Guarantee and Family Home Guarantee
- Stamp duty concessions
- First Home Super Saver Scheme (FHSSS)
Disclaimer: This blog is for informational purposes only and does not constitute financial advice. Lending criteria, terms, and conditions apply. Eligibility and loan terms vary between lenders. You should seek personalised advice from a qualified mortgage broker or financial adviser before making any borrowing decisions.