First Home Owner Grants by State and Territory

A First Home Owner Grant (FHOG) is a government cash payment that helps eligible first-home buyers buy or build a home. The property’s state or territory determines the scheme, amount and application route. Most current grants cover new homes, while the Australian Capital Territory has closed its grant to new transactions.

Choose the property location from the state and territory guides on this page. Use the comparison below to identify the cash grant first, then assess other assistance separately. A first-home buyer label alone doesn’t establish eligibility for a grant or a loan.

Choose the Jurisdiction

Use the location of the home being purchased or built to identify the administering revenue office. The client’s current address, broker’s office and lender’s head office don’t determine which grant applies. Record whether the transaction is a new-home purchase, building contract or owner-builder project.

The contract or construction commencement date can decide which version of the scheme applies. Keep the settlement or completion date separately because it can start the application deadline. A vacant-land purchase alone doesn’t establish entitlement to a new-home grant.

An amount described as a “first home buyers grant” must belong to a named scheme and transaction period. As at 3 October 2026, the Northern Territory’s HomeGrown Territory Grant provides $50,000 for eligible new homes. That amount isn’t a national entitlement or a grant for any established home.

A “First Home Owner Grant Act 2000” reference also needs its jurisdiction and applicable version. Western Australia’s lodgement guide identifies that Act, while South Australia administers its grant under the First Home and Housing Construction Grants Act 2000. Follow the legislation link from the relevant authority’s grant page and match the provisions to the transaction date.

Compare the Grant Answers

Compare grants using the home’s location and the date of the eligible transaction. Every jurisdiction below was last checked on 3 October 2026. Amounts are Australian dollars and depend on the applicant meeting that scheme’s conditions.

Jurisdiction and last checked	Programme and current status	Property scope and timing point	Official evidence and application route
New South Wales (NSW), 3 October 2026	First Home Owner (New Homes) Grant: $10,000, available	New or qualifying substantially renovated homes. New-home purchases have a $600,000 cap, with a $750,000 combined cap for land and a building contract. Applications are due within 12 months of settlement or completed construction.	Revenue NSW lists evidence by transaction. Use the financing approved agent when the grant is needed for settlement or the first drawdown. Direct applications follow completion.
Victoria, 3 October 2026	First Home Owner Grant: $10,000, available	New homes valued up to $750,000, including qualifying substantially renovated homes. Lodge within 12 months of settlement or completing construction.	The State Revenue Office’s grant rules explain eligibility. Its application guide covers approved agents and direct applications after completion.
Queensland, 3 October 2026	First home owner grant: $30,000 for eligible contracts from 20 November 2023, continuing beyond 30 June 2026	New homes valued below $750,000, including land and variations. Owner-builders use the foundations date for the amount. Purchase applications are due within one year of possession and title registration, with building applications due within one year of completion.	Queensland’s grant overview confirms the continuation. The Queensland Revenue Office application guide lists documents and approved-agent or direct channels.
South Australia, 3 October 2026	First Home Owner Grant: up to $15,000, available	New or qualifying substantially renovated homes. No property value cap applies to contracts from 6 June 2024. Prior ownership rules change for contracts from 13 February 2025. Apply within 12 months of transaction completion.	RevenueSA links applicant and property evidence. Use an approved agent for payment at settlement or the first progress payment. Direct lodgement is also available.
Tasmania, 3 October 2026	First Home Owner Grant: $20,000 for eligible transactions commencing from 1 July 2026 to 30 June 2027	New homes. Building completion must satisfy the applicable 24-month limit. The eligible transaction’s commencement date determines the grant amount.	The State Revenue Office’s eligibility page sets the current window. Its application page routes applications through approved agents or the grant portal and links supporting documents.
Western Australia, 3 October 2026	First home owner grant: up to $10,000, available	New or qualifying substantially renovated homes. Apply after all parties sign the contract and within 12 months of completion. Completion means settlement for a purchase or readiness for occupation for a build.	RevenueWA’s grant fact sheet sets eligibility. The lodgement guide explains evidence and approved-agent or direct application channels.
Northern Territory, 3 October 2026	HomeGrown Territory Grant: $50,000, available, replacing the $10,000 First Home Owner Grant	New homes, including qualifying permanently fixed transportable homes. Eligible contracts or owner-builder starts run from 1 October 2024 to 30 September 2027. The extended application closing date is 30 September 2028.	The Northern Territory’s HomeGrown page links the guideline and application. Apply through the financial institution or Territory Revenue Office. The page also requires application within 12 months of settlement.
Australian Capital Territory (ACT), 3 October 2026	First Home Owner Grant: closed to transactions commencing from 1 July 2019	No cash FHOG for a new transaction. Earlier recipients still have obligations under their original scheme.	The ACT Revenue Office explains the closure and links the Home Buyer Concession Scheme for separate duty assistance.

A regional address doesn’t create a separate national cash grant. Use the same jurisdiction route and check whether the question concerns a local grant, duty relief or a government-backed loan. Older grant amounts from 2014, 2016 or 2020 apply only where the transaction falls within that historical scheme.

Previous ownership and grant history also need the local rules. Moving interstate doesn’t remove a previous grant from the eligibility assessment. Some authorities distinguish a previous investment property from a home the applicant occupied, so record both ownership and occupancy instead of assuming either automatically decides eligibility.

Separate Other First-Home Assistance

A cash grant contributes money towards an eligible home, while other assistance changes the loan, ownership arrangement or tax bill. Assess each route separately because acceptance under one scheme doesn’t establish eligibility under another.

• A government guarantee supports qualifying reduced-deposit lending. The Australian Government 5% Deposit Scheme guide explains that route when the client needs deposit support.
• A shared-equity scheme contributes towards the purchase in return for an equity interest. Compare shared-equity assistance when the client’s question concerns a government ownership contribution.
• A duty exemption or concession reduces the property transfer tax payable. The relevant revenue office assesses it under its own conditions, even where the buyer also receives a grant.
• A lender promotion follows the lender’s offer terms. A fee reduction or cashback doesn’t establish government grant eligibility.
• An ordinary home loan requires the lender’s credit assessment and repayments. Grant approval doesn’t establish that the borrower can afford the loan.

When the client asks whether the grant can fund the deposit, assess payment timing as well as eligibility. Queensland’s application guide warns against relying on the grant for a deposit or another time-sensitive obligation. The Northern Territory allows a request for early release through the financial institution, subject to its financial approval processes.

For a new build, use the first-home house and land package guide to assess the package and finance timeline. Keep the grant decision with the revenue authority and the lending decision with the lender.

Build the Broker Evidence List

Build the grant evidence list from the relevant authority’s application form and the client’s transaction type. These records are commonly worth checking, but the authority determines the final documents and certification requirements.

1. Record every applicant’s legal name, date of birth and identity documents, plus citizenship or permanent-residence evidence where required.
2. Include spouse or partner details and relationship records where the scheme requires them, even if that person won’t be on the title.
3. Record residential property ownership anywhere in Australia, dates of ownership and whether the applicant or partner lived in each property. Include previous grant receipts.
4. Keep the signed purchase or building contract, variations, property address and transaction dates. Add title and value evidence required for that transaction.
5. Obtain evidence that the dwelling qualifies as new or substantially renovated, plus completion or occupancy documents where required.
6. Record the planned move-in date and residence obligation. Retain later evidence of actual occupation and report changes through the authority’s prescribed process.

Permanent residence can satisfy the citizenship requirement under several schemes, but the relevant date and other applicants’ circumstances still matter. A marriage or joint purchase doesn’t create a separate grant for each person. A plan to keep the property solely as an investment conflicts with schemes requiring the buyer to live there.

Record who lodges the application and the event at which payment can occur before counting the grant in the finance file. As at 3 October 2026, Revenue NSW requires the financing approved agent for settlement or first-drawdown payment. Victoria’s direct application route starts after the eligible transaction has completed.

Keep the application receipt and any written approval alongside the expected payment event. An application awaiting a decision isn’t cleared money for settlement. If the timing leaves a funding gap, address that gap in the loan assessment before the client commits to the purchase.

If a grant is refused, save the decision notice, reasons and date of service. Open the administering authority’s grant-specific objection or review guidance and record its deadline and submission channel. Ask a qualified legal adviser to interpret disputed legislation or advise on an appeal.

For example, as at 3 October 2026, Victoria requires a written objection within 60 days after the decision notice date. Tasmania’s application page also links its objections, reviews and appeals guideline. Use the relevant jurisdiction’s process for the client’s decision.