TAS · Owner-occupier · Updated September 2026

Tasmania Owner-Occupier Home Loans, September 2026

Owner-occupier home-loan pricing is generally national, so buying in Tasmania does not by itself change a lender's advertised rate. What changes in TAS 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 TAS

What changes when you compare owner-occupier loans in Tasmania

Owner-occupier pricing in the live comparison linked above is national, the rate is the same buying in Hobart as it is anywhere else. What does change is the cash going in. TAS buyers can combine the $20,000 First Home Owner Grant with the state stamp duty concession (established-home duty exemption (was 100% up to $750,000) ended 30 jun 2026; standard transfer duty now applies to established-home purchases) and the federal Home Guarantee Scheme cap of $700,000 (Hobart) / $550,000 (rest of TAS, no regional-centre exception). Those three together can shift your minimum deposit by tens of thousands without ever changing the advertised rate itself. MyHome Shared Equity also runs in TAS for eligible buyers, see the panel below.

Source: State Revenue Office Tasmania · 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 Tasmania.

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

Your state, pick to see grants & concessions

State schemes · Tasmania

First home buyer benefits in Tasmania

First Home Owner Grant (FHOG)

$20,000, Buying or building a new home. $20,000 applies to eligible transactions from 1 Jul 2026 to 30 Jun 2027, down from $30,000 the prior year.

⚠️ Amount is reviewed each financial year, confirm the current figure before relying on it for transactions after 30 Jun 2027.

Stamp duty concession

Established-home duty exemption (was 100% up to $750,000) ended 30 Jun 2026; standard transfer duty now applies to established-home purchases.

5% Deposit Scheme property cap

Maximum property price for the federal 5%-deposit scheme in Tasmania: $700,000 (Hobart) / $550,000 (rest of TAS, no regional-centre exception).

State program, MyHome Shared Equity

Tasmanian shared-equity scheme. Government takes up to 40% equity in your property; you contribute as little as 2% deposit. Income and property caps apply. Visit MyHome Shared Equity →

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

Want help stacking these schemes for your scenario? Talk to a broker →