Do you qualify for discounts?

The First Home Owners Grant (FHOG) calculator is designed to work out which government benefits such as grants and stamp duty exemptions that you may be eligible for.

Please be aware that:

  • We have assumed that you meet some standard first home buyer criteria.
  • We have assumed that you are signing the contract of sale today.
  • If you are not looking to purchase right now, the benefits may change in the future.
  • Please refer to your state government website to confirm the full criteria and grant conditions.
  • First home buyers should also use our credit score, borrowing power and LMI calculators.

Are there grants for non-first home buyers?

Yes, some grants are for other types of people such as seniors, carers or people relocating to a regional area.

In addition to this many state governments have stamp duty exemptions for people who are buying a new property, even if it is an investment!

Stamp duty exemptions

If you are buying a property for more than $600,000, then you may find that the stamp duty cancels out the grant!

For this reason a lot of state governments also have stamp duty exemptions for eligible first home buyers.

You’ll find that a stamp duty exemption greatly reduces the minimum deposit that you neeed.

Did you know that our grant calculator is also a stamp duty calculator?

Construction & new home grants

Some state governments only give a first home grant, or have an additional grant, if you are buying a new property or building a new home.

These are some of the larger grants which can make buying a new property very attractive.

However you should be cautious to make sure that the property developer hasn’t inflated their prices due to a high number of first home buyers seeking a new apartment or house. Please refer to our guide on how to value a property.

Regional relocation grants

In some states there is a grant if you are moving from a metropolitan area to an eligible regional location.

The purpose of this grant is to lessen the brain drain to the capital cities and assist with the cost of relocating to a country area.

Unfortunately many people that qualify for these grants don’t know that they exist!

Both the standard and skilled regional relocation incentive in New South Wales was scrapped in 2015. There’s no telling if and when it will come into effect again.

However, the 2016-17 Victorian Government Budget saw the FHOG doubled from $10,000 to $20,000 (as of 1 July 2017) for purchases of new homes in select regional areas.

The website has a complete regional councils where the higher FHOG applies.

You should also check with your relevant state’s office of revenue to find out what grants may be available to you and get updates on what they’re planning to introduce.

Rural & regional grants

Many state governments have a higher first home owners grant for people buying a home in a regional location.

The purpose of this grant is to stimulate new home construction and housing affordability outside of the capital cities.

Please refer to our calculator to see if this is available in your state.

When do first home owners grants change?

The first home owners grant is a hot political topic!

In fact the grants were first introduced in 2000 to offset the increase in new home prices due to the introduction of the GST.

Politicians are well aware that young Australians are concerned that they may not be able to afford a home. For this reason they often promise new benefits during elections.

Federal elections are likely to result in changes to the standard first home owners grant, as this is a Federal scheme.

State elections are likely to result in changes to construction, new home, relocation and regional grants as well as stamp duty exemptions.

If the building industry is stagnating then it is likely that the state government will introduce or increase their new home grant as this has been a very effective method of boosting the industry.

When will it end?

Currently there is no end date for the main first home owners grant.

However state grants all have specific end dates, please refer to your state government for the full details.

Which states have first home grants?

  • NSW,
  • VIC,
  • QLD,
  • WA,
  • SA,
  • NT,
  • TAS, and
  • ACT*.

*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.

Please note that each state government has different benefits!

Don’t base your buying decision on grants

Some first home buyers specifically choose a property type of location because of additional first home benefits.

We strongly believe that your focus should be on what property is suitable for you and if you are ready to buy a home.

Too many first home buyers buy a property before they are ready simply because of a special grant that ends soon.


This calculator is a guide only. Due to the complexity of the qualification criteria and the differences between the state governments it is not always possible to keep our calculator up to date.

You can refer to your state government website for the full eligibility requirements, qualifying transactions and changes in the first home benefits such as grants and stamp duty exemptions. We accept no liability for any inaccuracies in this calculator.

If you have any questions then please call us on 1300 889 743 or enquire online and one of our mortgage brokers will call you back to discuss your options.

  • Pryce Isryt

    I’m looking to buy a home for myself in North Melbourne sector by the end of this year and my partner is a foreign citizen. Will I be entitled for the entire FHOG amount?

  • Hi Pryce,

    As long as both of you can meet the eligibility requirements and at least one of you is a permanent resident, an Australian citizen or a NZ citizen holding a special category, you should be eligible to receive the full amount depending on which state you’re buying in.

  • Strachan

    Seems I qualify according to this calculator. Any tips on filling in the application form?

  • Hello Strachan, you can check out how to apply for the grant as well as some pointers on filling in the application form by going through our first home owners grant guide:

  • stapley

    What documents will I need to provide when applying for the grant?

  • Hey stapley, you’ll need to provide a copy of the contract of sale, ID documents such as your Australian citizenship certificate, as well as additional supporting documents such as a certified copy of your marriage certificate if you’re married. We help our customers with their first home owners grant application so please 1300 889 743 if you need assistance to complete the form, provide the correct supporting documentation as well as following up with the lender to make sure your grant is approved and paid promptly.

  • demi

    Hi, do we get FHOG even for an investment property?

  • You won’t qualify for the FHOG if the property will be used solely for investment purposes. Please check out the FHOG eligibility criteria here:

  • Tin

    How much stamp duty will I have to pay on top of the LMI if I’m buying in New South Wales, Victoria or Queensland?

  • For NSW and QLD, the stamp duty is 9.0% of the premium. For VIC, it’s 10.0%. Note that if you’re buying in the ACT then it would be 0% as it’s abolished.

  • Therese Fairchild

    Can you get first home owner grant in Queensland if you are buying a preloved home? or is it only for new homes built

  • Hi Therese
    Nope sorry it has to be new. There’s some info here

  • Therese Fairchild

    Thanks thats what I thought but someone told me otherwise

  • Joe

    We are New Zealand citizens. We have bought a home in New Zealand, but have never bought any in Australia. Do we qualify for the First Home Owners Grant if we buy a home in Queensland?

  • Hi Joe,
    Yes you can qualify. It has to be a new property and you’d need to live in it for 6 months starting within the first 12 months. You can find some info here
    We can assist if you need a home loan to buy the property.

  • Joe

    We are intending to buy a plot of land which costs about $400,000. We have approached a builder for a quote to build a home and it costs about $400,000. The builder says it takes about 12 months to have the home built. How can we live in the home for 6 months within the first 12 months? Is it within the first 12 months from the date of completion of the home? Can we qualify for the FHOG if we just buy the plot of land?

  • Hi Joe
    The grant is received by your bank and is paid towards the cost of construction at the time of construction starts.
    You must start living in the property within 12 months of construction being complete.
    Double check the government website for your state to be sure.

  • Hayden

    How does the government tell if you have actually lived in the property for 6 months in the first 12 months? This is in relation to the FHOG NSW. Does someone actually come round to the property to check you are living there?

  • Hi Hayden
    I believe they send a letter out around a year after the grant has been paid and ask for evidence such as a utility bill. They can also cross reference other government databases e.g. the ATO. I’m not sure if they do this for all grants paid but they certainly do for some in NSW.
    I’d recommend that you only claim the grant if you are eligible and if you have not been able to move in then inform the government and repay the grant to avoid any penalties.

  • Liana Jones

    does the home owners grant allow for you to build on a rural property???

  • Hi Liana,
    Yes this is fine.

  • Mykel

    If my sister and I are buying a property together that is 860k combined, is it possible to claim the first home buyers grant separetly?

  • Unfortunately it isn’t possible.

  • Joanne Paroci

    If my husband and i put a deposit down on a property prior to july 1st but the 10% exchange isnt until after 1st of july, are we still eligable to recieve stamp duty reduction as first home owners?

    or does the 0.25% have ro be after july 1st also?

    so confused


  • Hi Joanne,
    I’ll assume you’re referring to the recent changes for NSW. We believe it’s based on the date that you sign the contract. However I’d recommend that you speak to your conveyancer to be sure.

  • Joanne Paroci

    oh ok. so the contract of offer?, hhmm. Keep reading conflicting advice.
    Thanks for your reply.

  • peter

    The fhog in regional Victoria is 20k and no stamp duty correct.?then can you do something for me with no deposit however 2 years rental history of 375 a week

  • Hi Peter
    It has to be a new property (complete not a land and package) under $400,000 and you still need a little money to cover incidental costs. It’s possible if you can find a property that you like under $400,000.

  • Jake Dorko


    Land Purchased in Vic being under 600k as a first home buyer allows for zero stamp duty ? I believe I’m correct in saying?

    If the new home being built on the land totals between (overall) costs 900k (say 450 land, 450 home) do you still get the 10k home buyers ? and is any duty’s that need to be allowed for?

    Apologies if this is a silly question.


  • Hi Jake,
    The legislation is a bit unclear on this so best to call the VIC SRO on 13 21 61. This is what I’ve found on the VIC SRO webstie:

    *** Stamp duty ***
    Value of the property

    The home purchased must have a dutiable value:
    – Of $600,000 or less to receive the exemption,
    – From $600,001 and $750,000 to receive the duty concession

    The dutiable value for a property is generally the greater of its purchase price or market value minus any deductions (such as the off-the-plan concession).

    The off-the-plan concession deducts the construction or refurbishment costs incurred after you sign the contract from the contract price.

    *** FHOG ***

    Best to read this

  • Spencer

    I’m a Permanent Resident and currently living and working in UK. I want to buy a property in Australia, will I be able to get the grant?

  • Yes Spencer, Permanent residents are able to obtain the First Home Owners Grant (FHOG) while buying a property in Australia. By saying that, there are certain eligibility criteria to get the grant.
    At least one applicant is a Permanent Resident (PR) or Australian citizen.
    Each applicant must be at least 18 years of age.
    All applicants and/or their spouse/de facto have not owned a residential property, jointly, separately or with some other person, in any State or Territory of Australia before 1 July 2000.
    This is the first time an applicant and/or their spouse/de facto will receive a grant under the First Home Owner Grant Act 2000 in any State or Territory.
    At least one applicant will occupy the home as their principal place of residence for a continuous period of at least six months, commencing within 12 months of settlement or construction of the home.
    The total value of the property does not exceed the cap amount (Cap amount varies between states).
    Please check our FHOG page for more information

  • Lisa

    Hi, my husband and I are both eligible for the fhog, and we are wanting to buy an established, lived-in home. Can we use the fhog for this, and what are the conditions of purchasing this way? Thank you.

  • Hi Lisa,
    Sorry, if you’re planning to buy an established home, then you won’t be eligible for First Home Owners Grant (FHOG). You’ll be able to receive the FHOG only if you buy a brand new home or vacant land and build a home on it.

  • jgsg

    Hi my husband and I bought a property for 655K.
    It is going to be built in a vacant land and we have already received FHOG approval. Is it possible to include it in my 10% deposit? and when can I actually use it ?

  • Hi jgsg,
    If it’s a construction, then FHOG is usually given in the second stage or the frame stage. Some banks allow it being used in your funds to complete rather than on the deposit, which should be at least 5% of the total project cost. If you want to know more about the construction loan, then call us on 1300 889 743 or complete our free assessment form

  • Sunnydays

    Hi guys,

    My partner and I are wishing to purchase an $185,000.00 block in Tasmania. We have $40,000.00 worth of genuine savings and are eligible for the state government FHOG of $20,000.00. My question is, in Tasmania can that $20K grant be added to our deposit to make it $60,000.00 – my rough calculations tell me we’ll likely incur $8,000.00 worth of expenses lowering the to $52,000.00 with the grant or, $32,000.00 without. Lastly, assuming the above is correct will our repayments be; a) $185K – $52K = $132K + interest owing OR b) $185K – $32K = $152K + interest?

    I hope that makes sense – assuming the account had $0 fees & 4.0% comparison rate interest – what would the fortnightly repayment be over a 25 year period?

    Thank you greatly in advance!

  • Hi Sunnydays,
    Yes, the FHOG can be added to your deposit to make it $60,000.
    In terms of the expenses you mentioned, I assume you’re referring to property purchasing expenses like stamp duty, legal costs and mortgage set up costs.
    Adding conveyancing costs of around $1,500 to $2,000, those calculations you have are pretty spot on. You can always try out this calculator to see a bit of a breakdown:
    Well, assuming you qualify for the grant, you will be able to apply for the grant prior to home loan settlement. This means your calculations on a) is likely correct.
    According to our loan repayment calculator, your home loan repayments would be around $451 per fortnight over 25 years:

  • Fiza

    Hi, as I understand it I’ll be subjected to the full stamp duty even if it’s my first property purchase as it will be for investment not owner occupation. How long before I can turn a newly purchased owner occupied property into an investment property? Looking to avoid the high stamp duty as a first home buyer.

  • Hi Fiza,

    That’s correct, you won’t be eligible for stamp duty concessions if you’re buying an investment property even if you’re a first home buyer. To avoid that, you can purchase an owner occupied property and potentially turn it into an investment at a later date (only after 6 months or later).

  • Elsie

    HI, I’m sorry if this is obvious to everyone else but can the QLD FHOG used as part of the deposit? And how much would I get for FHOG? What about the stamp duty, do I need to have that money as well?

  • Hi Elsie,
    Yes, FHOG can be a part of your funds to complete. In QLD, the FHOG amount is $15,000 for homes valued up to $750,000. If the property you acquire will be your first home and you meet eligibility requirements, the stamp duty may be reduced to the point where you don’t have to pay anything, depending on the value of the property. You’re allowed to claim both the grant and the stamp duty concession but each has its own eligibility requirements. Please visit QLD’s OSR website to check their eligibility requirements.

  • Edd

    Hi, I’m eligible for the QLD grant of $15k. So, if the FHOG covers 5% of the purchase price meaning the amount borrowed will be 95% + LMI, can rental history be used as genuine savings? If I were to borrow $300,000, how much extra funds would need to be saved up on top of the FHOG?

  • Hi Edd,
    There are some potential lender options who may be able to accept your rental history. When borrowing at 95% loan to value ratio (LVR) plus LMI (Lenders Mortgage Insurance) and with the FHOG, you’ll require an additional $5-10k to complete the purchase. Please fill in our online enquiry form: to discuss your situation.