Every First Home Buyer Grant Available in Australia in 2026

By iInvest Property | June 2026

First home buyers in Australia have access to a range of government grants and schemes that can significantly reduce the upfront cost of buying. Here is a complete guide to every scheme available in 2026.

First Home Guarantee (Federal)

The First Home Guarantee allows eligible buyers to purchase with a 5% deposit and no Lenders Mortgage Insurance (LMI). The government guarantees the remaining 15% to the lender. Income caps: $125,000 for singles, $200,000 for couples. Places are limited per financial year.

Regional First Home Buyer Guarantee

The same 5% deposit / no LMI structure but specific to eligible regional postcodes. Check the NHFIC website for current eligible locations.

Family Home Guarantee

For single parents with dependents — allows purchase with as little as 2% deposit and no LMI. Income cap: $125,000.

First Home Owner Grant by State

NSW: $10,000 for new builds up to $600,000. QLD: $30,000 for new builds (confirm current rules with QLD Revenue Office). VIC: $10,000 metro / $20,000 regional. WA: $10,000. SA: $15,000. TAS: $30,000.

Stamp Duty Concessions

Most states provide full exemptions for first home buyers below state-specific thresholds. NSW: full exemption under $800,000 for new builds. QLD: full exemption under $500,000. Check your state revenue office for current thresholds.

First Home Super Saver Scheme

Save for a deposit inside super and withdraw up to $50,000 per person ($100,000 per couple) at a lower tax rate. Requires voluntary concessional contributions over time — ideally started 2+ years before purchase.

Getting Every Grant You're Entitled To

Many first home buyers miss out on schemes because they don't apply correctly or don't know they exist. Our team helps first home buyers identify every benefit they qualify for and ensures the purchase is structured to maximise all available assistance.