Low Deposit
Shave years off the usual time it would take to save, with a low deposit of 2-5%.
No LMI
No Lenders Mortgage Insurance means you could save thousands of dollars.
Awesome Rates Variable and Fixed
Benefit from interest rates normally reserved for deposits of 20% or more.
What if you don’t qualify?
You could still buy without LMI by having a family guarantor or saving a 20% deposit."
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First Home Owner Grant (FHOG)
New South Wales
Grant (New Homes)
$10,000 for new homes up to $600k; house+land up to $750k
Stamp Duty Exemptions
Full exemption under $800k; concessional rates between $800k–$1M
Other Key Schemes (2025)
Shared equity “Home Buyer Helper” allowing purchases with 2% deposit via government equity share
Queensland
$30,000 (until mid-2025) for new homes under $750k
Full exemption under $700k; concession up to $800k
Boost to Buy” shared equity: Govt holds up to 30% (new) or 25% (existing) homes up to $1M; 2% deposit; high income caps—singles $150k, couples $225k; stamp duty abolished for new homes/vacant land
Victoria
$10,000 for new homes up to $750k
Full exemption under $600k; concession between $600k–$750k
Home Guarantee Scheme, FHSSS, Homebuyer Fund shared equity scheme
South Australia
$15,000 for new homes—no property value cap
Full stamp duty exemption on new builds
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Western Australia
$10,000 for new home purchases/builds
Exemption under $450k; concession between $430k–$600k (region dependent)
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Tasmania
$30,000 for new homes (extended to June 2025)
50% stamp duty discount for established homes under $600k
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Northern Territory
$50,000 for new homes (until 30 Sep 2026); $10,000 for established homes (until 30 Sep 2025)
Some duty concessions for new homes
BuildBonus and HomeBuild Access programs
Australian Capital Territory
No FHOG since 2019
Stamp duty waivers depending on income and dependents; full duty exemption for eligible buyers on homes up to $1M
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