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First home buyer schemes in Australia
Australian first home buyers can stack up to four concessions: the federal Home Guarantee Scheme (5% deposit, no LMI), the state First Home Owner Grant ($10K-$30K cash for new builds), state stamp-duty exemption ($15K-$40K saved), and the shared-equity Help to Buy scheme (Government contributes up to 40%). Combined impact at settlement: $30,000-$80,000 of cash that would otherwise come out of pocket.
What this topic covers
- Live rate hubs (1): First home buyer loans hub
- Insight publications (1): Home loan statistics
- Calculators (5): Stamp duty calculator (all 8 states) · Borrowing power calculator · Income required calculator · LMI estimator · +1 more
- Guides (1): First Home Buyer Grants
- Glossarys (9): First Home Owner Grant · Home Guarantee Scheme · Help to Buy scheme · First Home Super Saver Scheme · +5 more
Resource index
| Kind | Resource | What it's for |
|---|---|---|
| Live rate hub | First home buyer loans hub | — |
| Guide | First Home Buyer Grants | State-by-state FHOG cash payments and stamp duty concessions, the two figures below the federal Home Guarantee Scheme. |
| Calculator | Stamp duty calculator (all 8 states) | — |
| Calculator | Borrowing power calculator | — |
| Calculator | Income required calculator | — |
| Calculator | LMI estimator | — |
| Calculator | Land tax + FHB concession calc | — |
| Glossary | First Home Owner Grant | — |
| Glossary | Home Guarantee Scheme | — |
| Glossary | Help to Buy scheme | — |
| Glossary | First Home Super Saver Scheme | — |
| Glossary | FHB schemes (umbrella) | — |
| Glossary | Genuine savings requirement | — |
| Glossary | Gifted deposit | — |
| Glossary | Guarantor (family pledge) loan | — |
| Glossary | Regional First Home Buyer Guarantee | — |
| Insight publication | Home loan statistics | The average new first-home-buyer loan size, sourced from the ABS and dated. |
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Topic curated and reviewed by the Ratesniffers Editorial Team. Last reviewed 2026-06-02. General information only, not personal financial advice.