First Home Owner Grant 2025 Guide

What Is The First Home Owner Grant?

The First Home Owners Grant (FHOG) is a one-off grant payable to first-home owners who meet particular eligibility criteria. It is designed to help first-home buyers enter the property market. It is funded by the Federal Government but managed by the State and Territory Governments.

The grant amount, eligibility criteria, and the property price threshold vary depending on the state or territory you’re buying in.

How Much Is The First Home Owners Grant?

The grant amount ranges from $10k to $50k. Each state and territory has their own grant amount. ACT does not offer the grant.

First Home Owners Grant By State And Territory

Each state and territory sets its own rules, including property value caps and eligibility conditions. Select your location below to find out the requirements to be eligible for the grant.

• NSW – Get $10,000 for your first home in New South Wales.
• VIC – Get $10,000 for your first home in Victoria.
• QLD – Get up to $30,000 for your first home in Queensland.
• WA – Get $10,000 for your first home in Western Australia.
• SA – Get $15,000 for your first home in South Australia.
• TAS – Get $30,000 for your first home in Tasmania.
• NT – Get $50,000 for your first home in the Northern Territory.

The FHOG in ACT has been replaced by the new Home Buyer Concession Scheme, which will provide a full duty concession for eligible home buyers effective 1 July 2019.

Not Sure If You Qualify?

We’ll confirm your FHOG eligibility, combine it with other schemes, and match you to the right lender — all in one simple step. Call us at 1300 889 743 or fill in our free online assessment form to get started.

Who Can Qualify For The First Home Owners Grant?

The FHOG is strictly for first-home buyers only. To be eligible for the First Home Owners Grant, both you and the property must meet certain conditions. While the details vary by state, the most common requirements across Australia include:

• You must be at least 18 years old and apply as an individual, not a company or trust.
• At least one applicant must be an Australian citizen or permanent resident.
• Neither you nor your spouse/partner can have received the FHOG before or owned and lived in a residential property in Australia.
• The property must be a new home:
  • a brand-new build
  • an off-the-plan purchase
  • a substantially renovated property that hasn’t been lived in since completion
• The purchase price or combined land and build cost must be below the cap set by your state or territory.
• You must move into the home within 12 months of settlement or construction and live there continuously for at least 6 to 12 months, depending on state rules.

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How To Apply For The First Home Owner Grant

There are two main ways to apply for the First Home Owners Grant:

• Through your lender or mortgage broker – The application is usually submitted with your home loan. The grant is then paid at settlement or the first drawdown if you’re building. This is the simplest option for most buyers.
• Directly with your state revenue office – If you’re not applying through a participating lender, you’ll need to lodge the application yourself through your state’s revenue office.

Whichever option you choose, you’ll need to provide proof of identity, your contract of sale or building contract, and evidence that you’ll live in the home.

Each state has its own forms and rules. For detailed steps, check the state-by-state guides above.

Work With A Mortgage Broker

Government schemes like FHOG are a great start, but navigating them alongside lender requirements can be tricky. That’s where a broker helps.

At Home Loan Experts, we:

• Check your eligibility for FHOG and other schemes.
• Help combine multiple incentives to reduce your upfront costs.
• Find lenders who accept FHOG applications and meet your borrowing needs.
• Do the paperwork and ensure your application is error-free.