Every grant and scheme.
Mapped out for you.
The Australian government and state governments offer a range of schemes, grants, and concessions to help first home buyers get onto the property ladder sooner. Here's every scheme explained — and how to stack them.
First Home Guarantee (FHG)
Federal GovernmentBuy with as little as 5% deposit and no Lenders Mortgage Insurance.
The First Home Guarantee is a federal government scheme that allows eligible first home buyers to purchase a home with a deposit as low as 5% without paying Lenders Mortgage Insurance (LMI). The government guarantees the portion of the loan above 80% LVR to the lender.
Eligibility
- Australian citizens or permanent residents
- First home buyers (or haven't owned property in the last 10 years)
- Individuals earning up to $125,000 or couples up to $200,000
- Property price caps apply (varies by location)
Key Benefits
- Deposit as low as 5%
- No LMI — potentially saving $10,000–$30,000
- Available for new and existing homes
First Home Super Saver (FHSS)
Federal GovernmentSave for a deposit inside superannuation, taxed concessionally.
The First Home Super Saver Scheme allows first home buyers to make voluntary contributions to their superannuation fund and then withdraw those contributions (plus associated earnings, taxed concessionally) to put toward a first home deposit.
Eligibility
- First home buyers who haven't owned property before
- Aged 18 or over
- Haven't previously received an FHSS release
Key Benefits
- Tax-effective saving — contributions taxed at 15% not marginal rate
- Withdraw up to $50,000 of contributions and earnings
- Can be combined with the First Home Guarantee
First Home Owner Grant (FHOG)
State GovernmentA one-off payment for first home buyers of new homes.
The First Home Owner Grant is a state government scheme offering a one-off payment to eligible first home buyers purchasing or building a new home. In Victoria, the grant is $10,000 for new homes valued under $750,000.
Eligibility
- Australian citizens or permanent residents
- First home buyers
- New builds or substantially renovated homes (Victoria)
- Property value under $750,000 (Victoria)
Key Benefits
- $10,000 grant in Victoria (varies by state)
- No repayment required — it's a grant, not a loan
- Can be combined with stamp duty concessions
Stamp Duty Concessions
State GovernmentReduced or waived stamp duty for eligible first home buyers.
Most Australian states offer stamp duty exemptions or concessions for first home buyers under property value thresholds. In Victoria, first home buyers purchasing under $600,000 pay no stamp duty, with tapered concessions up to $750,000.
Eligibility
- First home buyers
- Property value under the state threshold
- Owner-occupier (not investment)
Key Benefits
- Full exemption up to $600,000 (Victoria)
- Tapered concession up to $750,000 (Victoria)
- Can save $15,000–$30,000 upfront
Stacking the benefits
The real magic happens when you combine these schemes. A first home buyer in Victoria purchasing a new build under $600,000 could access the FHOG ($10,000), full stamp duty exemption, and the First Home Guarantee — potentially saving tens of thousands upfront and buying with as little as 5% deposit.
We map out every grant and scheme you're eligible for, handle the paperwork, and structure your loan to make the most of every concession. Book a free consultation to find out what you're entitled to.
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Find out what you're eligible for
Book a free consultation and we'll map out every grant, scheme, and concession you qualify for — and how to stack them.
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