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FIRST HOME BUYER PLANNING TOOL

Compare Australia’s first-home buyer schemes, grants and upfront costs

Check the federal 5% and 2% pathways, Help to Buy, state grants, transfer duty, deposit, loan and cash-to-complete in one guided calculation.

How the rules are maintained
GUIDED CALCULATOR

Build the purchase from the property through to settlement cash

Allow about four short steps. A result marked “appears to pass” still needs confirmation by the authority and participating lender.

Ready
STEP 1 OF 4

Property and contract

The exact locality controls federal price caps. The contract date controls time-limited grants and duty rules.

Start typing a suburb or a four-digit postcode.

Used only where a state duty rule depends on the transfer or settlement date, such as historical Tasmanian relief.

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The result shows this exact dutiable value beside the duty estimate so you can see what the calculation is based on.

METHODOLOGY

Official-source rules, visible dates and safe fallbacks

The calculator separates federal guarantees, shared equity, state grants and transfer duty because each uses a different legal and eligibility test.

01

Exact location

The server returns only matching localities. The full national location table is not sent to the browser.

02

Dated pathways

Time-limited grants and duty concessions use the contract date and, where the law requires it, the settlement or transfer date.

03

Fail closed

Where a current amount cannot be calculated safely, the result says official calculation required rather than returning $0.

04

Source links

Every pathway card links to the responsible government authority for final confirmation.

Australian Government 5% Deposit SchemeAustralian Government Help to BuyNSW RevenueState Revenue Office VictoriaQueensland Revenue OfficeRevenueSAWA RevenueTasmanian State Revenue OfficeACT Revenue OfficeNorthern Territory Government
COMMON QUESTIONS

What this calculator can and cannot confirm

Does an “appears to pass” result mean I am eligible?

No. It means only that the coded checks based on your answers passed. A participating lender and the responsible authority must confirm eligibility and documents.

Does the calculator check borrowing power?

No. It calculates repayments and cash requirements but does not assess lender serviceability, credit policy, living expenses, debts, income evidence or property acceptability.

Why can duty show “official calculation required”?

Some state concessions depend on transaction structure, stepped formulas, dutiable value, off-the-plan treatment or rules that cannot be inferred safely from a short form. The calculator refuses to invent an amount.

Can Help to Buy be combined with a 5% or 2% guarantee?

Do not assume that it can. Help to Buy has scheme-combination restrictions, and the final structure must be confirmed before relying on the comparison.

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