First Home Buyer Schemes Australia 2026
Every grant, guarantee and stamp duty concession for first home buyers — by state.
Three layers of government assistance stack for Australian first home buyers in 2026: the First Home Owner Grant (a cash payment of $10,000–$30,000 for new homes), stamp duty concessions and exemptions (worth $15,000–$40,000 in the states with the cleanest rules), and the federal Home Guarantee Scheme (a 5% deposit with no lenders mortgage insurance). House and land packages qualify for all three — which is why new builds dominate first-home-buyer activity in growth corridors. Figures below are current as at October 2026; programs change, so confirm details with your state revenue office before signing.
The three national programs to know
Buy with a 5% deposit and no LMI; the government guarantees the gap. Income caps ($125K singles / $200K couples) and regional price caps apply. Single parents can use the Family Home Guarantee from 2%.
Save up to $15,000 per year inside super for your deposit, taxed at 15% instead of your marginal rate — up to $50,000 per person with associated earnings.
A state cash grant for new homes: $30,000 in Queensland, $15,000 in South Australia, $10,000 in NSW, Victoria and WA. Property price caps apply in every state.
Frequently asked questions
- Can I combine the grant, duty relief and the guarantee?
- Yes — they are separate programs that stack. A first home buyer can use the First Home Guarantee for a 5% no-LMI loan, claim the state FHOG at settlement, and pay reduced or no stamp duty, all on the same purchase. Total assistance commonly reaches $30,000–$60,000.
- Which states are most generous to first home buyers in 2026?
- Queensland leads on grant size ($30,000) and duty concessions. NSW offers the cleanest duty exemption (to $800,000). The right answer depends on your price point — compare suburb-level package prices against each state's caps.
- Do these schemes apply to house and land packages?
- Yes — new builds are the best-supported purchase type under every scheme. The FHOG requires a new home, the guarantee favours new builds with headroom in several regions, and duty relief is strongest where policy wants supply.
- Where do I apply?
- For the grant and duty relief: your state revenue office (or your lender as an approved agent, for payment at settlement). For the guarantee: through a participating lender or mortgage broker. Links are on each state page above.
Check what you qualify for
Tell us about your build plans and we will connect you with up to 3 builders — and you can confirm scheme eligibility with your lender or conveyancer.
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