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First Home Owners Grant Calculator

Check a first home owner grant amount and eligibility conditions for your state or territory.

Your purchase

The starting example assumes eligible first-home applicants. Replace every answer with your own facts.

Use the purchase or building contract date. Owner-builders use the date foundations began.

Transaction

Include the home and land value and building variations. See the state rules below for valuation differences.

Applicants and previous ownership
Applicants meet the age rule?

All applicants must be 18 or older. In the Northern Territory, at least one must be over 18.

Buying as individuals?

Select Not sure for a company, trust or legal-disability arrangement.

Qualifying citizen or resident?

At least one applicant must qualify. Citizenship, visa and timing rules are explained below.

Previously owned a home?

Include Australian residential interests of every applicant and their spouse or partner, even if the partner is not buying.

Previously received a grant?

Include applicants and partners. Select Not sure for a repaid grant. In Western Australia include a previous first home owner rate of duty.

Living in the home

All applicants must live in the home for 6 continuous months, starting within 12 months of completion.

Will you meet this residence rule?
Any exemption or special case?

Includes a repaid grant, family-violence relief, defence-force exemption, related-party sale or replacement contract.

View your grant check

Your grant check

Example inputs
Indicative grant amount
$30,000
One grant per eligible transaction. This is a standard-rule check, not an application decision.

Indicative grant

  • The entered facts fit the standard checks. The revenue office must verify the application and supporting evidence.

Covered commencement dates: 20 Nov 2023 to 25 Oct 2026.

Value limit: Less than $750,000.

Queensland Revenue Office eligibility and application details

How the Grant Check Works

This first home owners grant calculator checks the entered purchase against the selected jurisdiction’s standard grant rules. It returns an indicative amount, a failed-condition result or “Needs review” when a fact or exception remains unresolved. A grant is paid once per eligible transaction, even when several people buy together.

The starting example is a $650,000 new Queensland home with eligible adult applicants who have never owned Australian residential property or received a grant. They intend to meet the residence requirement. Under the selected $30,000 schedule, the indicative grant is $30,000.

Changing that Queensland property value to exactly $750,000 gives a zero grant because the value must be below the cap. Changing an applicant answer to “Not sure” gives “Needs review”, unless a separate confirmed condition already prevents the grant. An exemption or special case keeps the result open for an individual assessment.

Include every applicant and their spouse or partner when answering the history questions. Previous investment ownership does not have the same effect in every jurisdiction. The calculator sends previous ownership for review where acquisition and occupation history could preserve eligibility.

“New” means the home meets the revenue office’s definition, including its previous sale and occupation rules. A freshly renovated established home does not automatically qualify. Substantial renovations, trusts and special transactions receive a review result.

State and Territory Grant Rules

The selector applies the grant schedule for your contract or commencement date and displays the covered period beside the result. Dates outside those periods receive “Needs review”. Owner-builders use the commencement of foundations, while a purchase or comprehensive building contract uses its contract date.

JurisdictionGrant and property limitResidence requirement
New South Wales$10,000. Purchase of a new home up to $600,000; building or owner-building up to $750,000 including land.At least one applicant: 12 continuous months, starting within 12 months of completion.
Victoria$10,000, with a $750,000 limit. For a comprehensive building contract or owner-builder, use building works only.At least one applicant: 12 continuous months, starting within 12 months of completion.
Queensland$30,000 in the later schedule; $15,000 in the earlier covered schedule. Home and land value must be below $750,000.All applicants: 6 continuous months, starting within 12 months of completion.
Western AustraliaUp to $10,000. Southern cap is $800,000 in the later schedule and $750,000 in the earlier schedule. Northern cap is $1 million.Each applicant: 6 continuous months, starting within 12 months of completion.
South AustraliaUp to $15,000. No property cap in the later schedule; $650,000 in the earlier covered schedule.Each applicant: 6 continuous months, starting within 12 months of completion.
Tasmania$20,000 in the latest covered schedule. Earlier covered periods have $30,000 or $10,000. No property value cap.Applicants: 6 continuous months, starting within 12 months of completion.
Northern Territory$50,000 HomeGrown Territory Grant for qualifying first-home new purchases or builds. No price cap.Live in the home for at least 12 months after possession or construction completion.
Australian Capital TerritoryNo first home owner grant in the covered period. The Home Buyer Concession Scheme is a separate duty benefit.No grant residence test applies to a discontinued payment.

In Western Australia, use the greater of the purchase consideration or property value for a completed home. For building, include the land and building value with variations. The region selector distinguishes the northern cap from the southern cap, which includes Perth.

For New South Wales building contracts, add the land value, comprehensive building contract and variations. In Victoria, the building-work limit excludes land for a comprehensive building contract or owner-builder. For Queensland, include land and variations and keep the total strictly below $750,000.

For Tasmanian building contracts and owner-builders, completion is required within 24 months of the eligible transaction start, subject to any approved extension. The contract date determines the period for a purchase or building contract; owner-builders use the start of foundations.

The Northern Territory result covers HomeGrown for first-home buyers purchasing or building a new home. It does not calculate the separate FreshStart grant for previous owners or a grant for an established home. Replacement contracts and applications outside the standard timing need an individual assessment.

At least one applicant must meet the relevant citizenship or residency rule. Qualifying New Zealand citizens have specific treatment, including different Victorian settlement rules. Use the official eligibility details for the transaction’s completion date when answering that field.

All applicants generally need to be at least 18. The Northern Territory requires at least one person over 18. Age exemptions, defence-force residence exemptions and family-violence relief need an individual decision, so select the special-case answer when relevant.

Grants, Duty Concessions and Guarantees

A first home owner grant is a payment towards an eligible home. A transfer-duty concession reduces the tax on the property transfer. A government home-loan guarantee supports eligible low-deposit borrowing through a participating lender.

These benefits have separate property limits and applicant rules. An established home can fail the new-home grant test while qualifying for a first-home duty benefit. A positive grant result does not establish access to a duty concession, a guarantee or a loan approval.

A grant also does not guarantee that money is available when the deposit is due. Payment depends on the application route and transaction milestones. Confirm the lender’s release timing before counting the grant as cash available for an upcoming payment.

Confirming the Result Before Applying

Match each answer to documents before lodging the application. Keep the following evidence with the file.

  • Identity and age documents for applicants, with citizenship, passport or qualifying visa evidence.
  • Applicant and spouse or partner details, including previous property interests, occupation history and previous grant records.
  • The signed purchase or building contract, land valuation where required and all building variations.
  • Title registration and settlement details, or building approvals, foundation evidence and the occupancy certificate.
  • The vendor’s evidence that the home has not previously been sold or occupied, where required.
  • Residence evidence, such as utility accounts and address records, for the required occupation period.

Use the selected revenue office’s grant instructions for the application and required documents. Its assessment determines entitlement, payment timing and any exemption. Many jurisdictions allow an approved lender to lodge the application.

If an answer changes after payment, notify the revenue office under its obligations. Failing the residence or eligibility conditions can require repayment.

Bulma Team

When a client scenario hinges on lender policy, Bulma gives mortgage brokers source-cited AI answers to compare and verify before advising.