Australian Government Grants & Schemes for First Home Buyers (2026)

Australia offers a range of federal and state government grants, concessions, and schemes designed to help first home buyers get into the property market. This page is your complete hub for every available program — updated for 2026.

Federal Schemes

First Home Owner Grant (FHOG)

A one-off grant for buying or building a new home. Ranges from \$10,000 to \$30,000 depending on your state. Read our complete FHOG state-by-state guide →

First Home Guarantee (FHBG)

Buy with just 5% deposit and no Lenders Mortgage Insurance. The government guarantees up to 15% of your property value. Now with no income caps and unlimited places. Read our First Home Guarantee guide →

Help to Buy Scheme

A shared equity scheme where the government contributes up to 40% of the purchase price for new homes (30% for existing). Only 2% deposit needed. Read our Help to Buy guide →

First Home Super Saver Scheme (FHSSS)

Save for your deposit through your superannuation fund with tax advantages. Withdraw up to \$50,000 in voluntary contributions. Couples can pool up to \$100,000.

State & Territory Grants

Each state offers its own FHOG amount and stamp duty concessions. Here is a quick overview:

NSW: \$10,000 FHOG + stamp duty exempt up to \$800K
VIC: \$10,000 FHOG + stamp duty exempt up to \$600K
QLD: \$30,000 FHOG (until Jun 2026) + stamp duty exempt on new homes
WA: \$10,000 FHOG + stamp duty exempt up to \$530K
SA: \$15,000 FHOG + no stamp duty on new homes
TAS: \$30,000 FHOG + 100% stamp duty discount up to \$750K
ACT: No FHOG but stamp duty exempt up to \$1M (income limits apply)
NT: \$10,000 FHOG + stamp duty concessions up to \$650K

Read our complete stamp duty guide →

How Much Could You Save?

By combining multiple schemes, first home buyers can save tens of thousands of dollars. For example, a Queensland buyer purchasing a \$500,000 new home could save over \$50,000 through the FHOG, stamp duty exemption, and First Home Guarantee combined.

Not sure how much deposit you need? Read our deposit guide →