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Grants. Savings. Support.

Government incentives for home buyers

Unlock Government benefits and the door to your first home.

FEDERAL GOVERNMENT

FIRST HOME SUPER SAVER: The First Home Super Saver (FHSS) Scheme helps eligible first home buyers save for a deposit by making voluntary contributions to their super fund, which can then be withdrawn to purchase or build a home. By saving through super, you benefit from concessional tax rates, meaning your deposit can grow faster compared to regular savings.
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THE HOME GUARANTEE SCHEME: Helps eligible buyers purchase a home sooner with a smaller deposit and without paying Lenders Mortgage Insurance. Includes three guarantees: First Home Guarantee and Regional First Home Buyer Guarantee (5% deposit), and Family Home Guarantee (2% deposit for single parents/legal guardians).
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HELP TO BUY SCHEME: From 5 December 2025, eligible Australians can apply for the new Help to Buy shared-equity scheme through participating lenders. The scheme offers 10,000 places each year and helps first-time and returning buyers enter the property market sooner. With a minimum 2% deposit and a Government contribution of up to 30% for existing homes or 40% for newly built homes, Help to Buy makes home ownership more achievable for more Australians.
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NEW SOUTH WALES

FIRST HOME BUYERS ASSISTANCE SCHEME: Full stamp duty exemption on homes up to $800,000, and concessions for homes between $800,000 and $1,000,000.
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THE FIRST HOME OWNER GRANT: The NSW First Home Owner Grant provides $10,000 to eligible first-time buyers purchasing a new or substantially renovated home valued up to $600,000.
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QUEENSLAND

FIRST HOME CONCESSION: NO STAMP DUTY payable for First Home Buyers on owner-occupied homes from 1 May 2025
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FIRST HOME OWNER GRANT: The Queensland First Home Owner Grant offers $30,000 to eligible first-time buyers purchasing or building a new home valued under $750,000.
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Disclaimer: This webpage is intended as a general guide to government incentives available to property buyers. We recommend that all users seek independent advice from a qualified professional to assess their individual circumstances before making any property or financial decisions. Government policies and incentives are subject to change without notice.