First Home Owner Grant (FHOG) – By State
Christian Stevens, Mortgage Broker
Published January 31, 2025, 2:10 p.m ET
Share:
🔑 Key Facts
- The First Home Owner Grant (FHOG) is a one-off payment for eligible first-time buyers purchasing or building a new home.
- Each state and territory administers its own FHOG scheme, with different grant amounts and eligibility rules.
- Grants typically range from $10,000 to $30,000 and apply to new or substantially renovated properties.
- FHOG can be combined with other incentives like the First Home Guarantee or stamp duty concessions.
- Flint helps buyers navigate FHOG across all states and manage their full application process.
What Is the First Home Owner Grant?
The FHOG is a government initiative introduced to offset the cost of purchasing or building a new residential property. It supports first-time buyers looking to enter the property market, particularly for newly built homes, off-the-plan purchases, or substantial renovations.
The grant is managed at the state level, which means the amount, eligibility criteria, and application process vary depending on where you buy.
FHOG Overview by State & Territory
The FHOG is a government initiative introduced to offset the cost of purchasing or building a new residential property. It supports first-time buyers looking to enter the property market, particularly for newly built homes, off-the-plan purchases, or substantial renovations.
The grant is managed at the state level, which means the amount, eligibility criteria, and application process vary depending on where you buy.
🏡 New South Wales (NSW)
- Grant amount: $10,000
- Eligibility: New homes up to $600,000 or house and land packages up to $750,000
🏡 Victoria (VIC)
- Grant amount: $10,000
- Eligibility: New homes valued up to $750,000
🏡 Queensland (QLD)
- Grant amount: $30,000 (as of July 2023, previously $15,000)
- Eligibility: New homes valued under $750,000
🏡 Western Australia (WA)
- Grant amount: $10,000
- Eligibility: New homes under $750,000 in metro, $1 million in regional
🏡 South Australia (SA)
- Grant amount: $15,000
- Eligibility: New homes valued up to $650,000 (metro), $550,000 (regional)
🏡 Tasmania (TAS)
- Grant amount: $30,000 (extended to June 2024)
- Eligibility: New homes, no upper price limit, but other criteria apply
Common FHOG Eligibility Rules
While each state has unique guidelines, general eligibility often includes:
- Being at least 18 years old
- Not having previously owned property in Australia
- Occupying the home as your principal place of residence
- Applying as an individual or couple (not company/trust)
Applicants must meet all residency and timing requirements — and only one grant is available per transaction.
Can FHOG Be Combined with Other Schemes?
Yes — FHOG can often be used alongside:
- First Home Guarantee (FHBG) — buy with a 5% deposit and no LMI
- Stamp duty concessions/exemptions — varies by state
- HomeBuilder grants or renovation support — if eligible
This means you could receive a grant, avoid LMI, and reduce stamp duty — a major financial boost for first-time buyers.
📞 Need Help Claiming Your State’s FHOG?
At Flint, we support first-time buyers by:
- Checking your FHOG eligibility based on location and property type
- Advising on other available incentives and how to combine them
- Support refinancing, repricing and repayments planning
Talk to Flint today and make sure you’re taking full advantage of your state’s grants — because every dollar counts when buying your first home.
Recommended Articles
Government Grants & Guarantees
Downsizing with Confidence: Financial Tips for Over-50s
Aug 18, 2025
Government Grants & Guarantees
Unlocking Financial Potential for Senior Executives: Leverage...
Aug 18, 2025
Government Grants & Guarantees
The Essential Guide to Deposit Bonds: What Homebuyers and...
Aug 18, 2025
Monthly Newsletter
Subscribe and be the first to know about what’s happening in the market.
Contact Us Today
Learn more about how we can help you achieve your financial goals.
Don’t worry, there’s no commitment. Strategic guidance guaranteed.