First home

Every Australian first home buyer scheme, explained

Last reviewed November 2025

There are four main federal-and-state levers for first home buyers in Australia, and they stack differently by state.

First Home Guarantee (federal)

Buy with a 5% deposit and no LMI, subject to income and price caps. Places are capped per financial year and administered via participating lenders.

First Home Owner Grant (state)

One-off grant for new or substantially renovated homes. Amounts and caps differ by state (the NT is currently the most generous).

Stamp duty concessions (state)

Every state offers first-home stamp duty concessions or exemptions, but the thresholds and phase-outs differ significantly.

First Home Super Saver Scheme

Voluntary contributions inside super, taxed at 15% instead of your marginal rate, released to buy your first home.

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General information only. This tool provides general information and does not consider your personal circumstances. It is not financial, tax, legal or credit advice. Rates, thresholds and rules change. Verify current figures with the ATO, your state revenue office or a licensed adviser before acting.