Services · First home buyers
First home buyers in Australia have access to the First Home Guarantee, state grants and stamp duty concessions.
The rules change constantly. We translate them into plain English and tell you which ones apply to you.
Buying your first home can feel like learning a new language while juggling life, work, and everything else, but it doesn't have to. We guide you step by step, from deposits and government grants to all those 'wait, what does that even mean?' moments. You get clear answers, a personalised plan, and a broker who keeps you in the loop, so you can buy with confidence.
Key schemes at a glance
What's available to you
Australian Government 5% Deposit Scheme
Buy with 5% deposit, no LMI. Income caps and place limits removed from October 2025.
First Home Owner Grant (FHOG)
One-off cash grant for new builds. Amounts vary by state ($10,000 to $30,000).
Stamp duty exemptions
Most states offer full or partial stamp duty relief for first home buyers up to certain price thresholds.
First Home Super Saver Scheme (FHSSS)
Use voluntary super contributions as a deposit. Up to $50,000 per person, $100,000 per couple.
Questions answered
First home buyer questions
- How much deposit do I need to buy my first home in Australia?
- As little as 2 to 5 percent of the property price, depending on which scheme you qualify for. Under the Australian Government 5% Deposit Scheme, eligible first home buyers can buy with 5 percent down without paying Lenders Mortgage Insurance. Single parents can buy with as little as 2 percent. As of October 2025, there are no income caps and no place limits.
- What is the First Home Guarantee scheme?
- The First Home Guarantee (formerly the First Home Loan Deposit Scheme) was renamed the Australian Government 5% Deposit Scheme in October 2025. It lets eligible first home buyers buy with a 5 percent deposit without paying Lenders Mortgage Insurance. Income caps were removed, place limits were removed, and the waitlist was scrapped from October 2025.
- Can I use my super to buy my first home?
- Yes, through the First Home Super Saver Scheme (FHSSS). You can make voluntary contributions into your super (up to $15,000 per year, $50,000 lifetime maximum) and later withdraw those contributions to use as a deposit. Couples can each access the FHSSS independently. Talk to your accountant before contributing.
- What government grants are available for first home buyers in Australia?
- Several, depending on your state and what you're buying. The First Home Owner Grant (FHOG) is a one-off grant for new builds. Stamp duty exemptions exist in most states for first home buyers. The Australian Government 5% Deposit Scheme removes LMI requirements. The First Home Super Saver Scheme uses voluntary super contributions. Rules around combining them are complex.
Ready to find out which schemes apply to your situation?
Get in touch