What is the First Home Owner Grant (FHOG)?

Mechanic: each state administers its own FHOG under state-specific First Home Owner Grant Acts. The grant is paid at settlement (or shortly after) directly to your nominated bank account. You apply via the relevant state revenue office during the conveyancing process, your conveyancer / solicitor typically handles the application + lender supplies the documentation.

State amounts (2026, verify current at the state revenue office before transacting): NSW $10K, VIC $10K (regional + Victorian Homebuyer Fund stack available), QLD $30K (boosted from $15K through 2025-26 budget), WA $10K, SA $15K, TAS $30K, ACT $0 (replaced with stamp-duty exemption pathway), NT $10K.

Eligibility (typical, varies by state): all applicants must be Australian citizens or permanent residents, never previously owned property in Australia, not be a property investor (must occupy as PPOR within 12 months for at least 6 months continuously), purchase price under the relevant state cap. Some states cap the grant at properties under $750K-$800K.

Common stacking with FHOG: state stamp-duty FHB exemption (e.g. NSW FHBAS up to $800K) + FHOG ($10K) + Home Guarantee Scheme (5% deposit, no LMI) + First Home Super Saver (FHSS) up to $50K of voluntary super contributions tax-discounted. Eligible buyers can layer all four for a meaningful first-home discount package.