ACT · Owner-occupier · Updated September 2026

Australian Capital Territory Owner-Occupier Home Loans, September 2026

Owner-occupier home-loan pricing is generally national, so buying in Australian Capital Territory does not by itself change a lender's advertised rate. What changes in ACT is the cash required at settlement: stamp duty, first-home-buyer assistance and the local Home Guarantee Scheme price cap. Compare rates nationally, then apply the state rules below.

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Owner-occupier in ACT

What changes when you compare owner-occupier loans in Australian Capital Territory

Owner-occupier pricing in the live comparison linked above is national, the rate is the same buying in Canberra as it is anywhere else. What does change is the cash going in. ACT buyers can combine the Home Buyer Concession Scheme (which replaces the FHOG in ACT) with the state stamp duty concession (home buyer concession scheme replaces fhog. from 1 jul 2026 the act budget removed the scheme's income threshold and property price cap entirely: full stamp duty exemption for eligible first home buyers regardless of income or property value) and the federal Home Guarantee Scheme cap of $1,000,000. Those three together can shift your minimum deposit by tens of thousands without ever changing the advertised rate itself.

Source: ACT Revenue Office · Verified July 2026. Cap data from Housing Australia. See also our stamp duty calculator.

Comparing by deposit size: 80% LVR (no LMI), 90% LVR (LMI required), 95% LVR (Home Guarantee Scheme eligible) for Australian Capital Territory.

Federal scheme · Available nationwide

Australian Government 5% Deposit Scheme, no LMI

Buy a home with as little as a 5% deposit without paying Lenders Mortgage Insurance, the federal government guarantees the rest. Since 1 October 2025 the scheme has unlimited places, no income caps, and significantly higher property caps. The property must be your principal place of residence (no investors).

First home buyers

5% deposit, no LMI

Scheme places

Unlimited, no waiting list

Single parents

2% deposit, no LMI

Source: firsthomebuyers.gov.au · Verified July 2026

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State schemes · Australian Capital Territory

First home buyer benefits in Australian Capital Territory

First Home Owner Grant (FHOG)

No cash grant in Australian Capital Territory. See stamp-duty concession below, it typically delivers more value than a flat grant.

Stamp duty concession

Home Buyer Concession Scheme replaces FHOG. From 1 Jul 2026 the ACT Budget removed the scheme's income threshold and property price cap entirely: full stamp duty exemption for eligible first home buyers regardless of income or property value.

5% Deposit Scheme property cap

Maximum property price for the federal 5%-deposit scheme in Australian Capital Territory: $1,000,000.

Source: ACT Revenue Office · Verified July 2026. Grant amounts and property caps change, confirm with the linked source before applying.

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