Australian home-buyer grants and schemes.

Availability

Open

Support

Government guarantee of up to 15% supports an eligible loan with at least a 5% deposit and no LMI. It protects the lender and is not a cash payment to the buyer.

Minimum deposit

At least 5% and less than 20% of lender-assessed property value; valuation gaps and purchase costs can require additional cash. Applicants must use the maximum available deposit under lender and scheme rules.

Income limit

No scheme income cap; unlimited places from 1 October 2025. Lender serviceability and credit requirements still apply.

Property-value cap

Purchase price and lender-assessed value must each meet the postcode cap: capital/designated regional vs rest: NSW $1.5m/$800k; VIC $950k/$650k; QLD $1m/$700k; WA $850k/$600k; SA $900k/$500k; TAS $700k/$550k; ACT $1m; NT Darwin area $750k/elsewhere $600k; Jervis Bay/Norfolk $550k; Christmas/Cocos $400k.

First-home requirement

Each applicant is a first home buyer or has held no qualifying Australian property or land interest in the 10 years before the scheme loan date.

Owner-occupancy

Move in within six months of settlement (or the relevant completion/occupancy point for a new build) and continue as the principal home while the guarantee remains active.

Residency / citizenship

Each applicant must be an Australian citizen or permanent resident aged at least 18.

Eligible property

Eligible new or existing Australian home, house and land package, off-the-plan home, or vacant land with a qualifying build contract; location and construction conditions apply.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

May be used with eligible state grants, duty relief and FHSS. Cannot combine the guarantee with Help to Buy.

Effective period

2025-10-01; check the contract, application or settlement conditions above

Apply through a participating lender; maximum two applicants. Ongoing principal-and-interest loan up to 30 years, with permitted construction arrangements. A 20% deposit available after purchase costs generally makes the guarantee unavailable.

Review: 25 October 2026. Current first-home-buyer stream, core eligibility, deposit, property caps and occupancy; lender approval remains separate.

Supporting official source 1 ↗ Supporting official source 2 ↗

Availability

Open

Support

Government guarantee can support an eligible single parent or legal guardian purchase with a minimum 2% deposit and may avoid LMI.

Minimum deposit

At least 2% and less than 20% of lender-assessed property value; valuation gaps, purchase costs and available savings can require more.

Income limit

No scheme income cap; unlimited places. Lender serviceability still applies.

Property-value cap

Purchase price and lender-assessed value must each meet the postcode cap: capital/designated regional vs rest: NSW $1.5m/$800k; VIC $950k/$650k; QLD $1m/$700k; WA $850k/$600k; SA $900k/$500k; TAS $700k/$550k; ACT $1m; NT Darwin area $750k/elsewhere $600k; Jervis Bay/Norfolk $550k; Christmas/Cocos $400k.

First-home requirement

First-home status is not required. No other property interest may be retained once the new home settles; sale at or before settlement and eligible buyouts can be considered.

Owner-occupancy

Move in within six months of settlement (or the relevant completion/occupancy point for a new build) and continue as the principal home while the guarantee remains active.

Residency / citizenship

Australian citizen or permanent resident aged at least 18; sole applicant.

Eligible property

Eligible new or existing Australian home, house and land package, off-the-plan home, or vacant land with a qualifying build contract; location and construction conditions apply.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Can coexist with eligible grants, duty relief and FHSS; cannot combine with Help to Buy. Family Home Guarantee is a cross-reference to this pathway, not an additional benefit.

Effective period

2025-10-01; check the contract, application or settlement conditions above

Must be a single natural/adoptive parent or legal guardian with at least one dependent child. Single means no spouse or de facto partner; separated but not divorced is not single for this test. A participating lender must verify dependency, property interests and any sale or buyout.

Review: 25 October 2026. Current single-parent/legal-guardian stream, core eligibility, deposit, ownership and occupancy.

Supporting official source 1 ↗ Supporting official source 2 ↗

Availability

Open

Support

Government equity up to 40% for an eligible new home or 30% for an existing home; government shares in subsequent gains or losses. Up to 10,000 places annually.

Minimum deposit

At least 2% of purchase price; applicants must contribute the maximum reasonable amount and obtain a participating-lender loan.

Income limit

For applications from 1 July 2026 to 30 June 2027: taxable income no more than $103,000 for an individual, or $165,000 for joint applicants or an eligible single parent/legal guardian, using 2025-26 ATO Notices of Assessment.

Property-value cap

Capital/designated regional vs rest: NSW $1.3m/$800k; VIC $950k/$650k; QLD $1m/$700k; WA $850k/$600k; SA $900k/$500k; TAS $700k/$550k; ACT $1m; NT $600k; Jervis Bay/Norfolk $550k; Christmas/Cocos $400k. The lender may assess a lower affordable purchase limit.

First-home requirement

Not restricted to first-home buyers. Generally no current property ownership or beneficial interest anywhere, including overseas; limited single-parent joint-ownership exceptions require approval.

Owner-occupancy

Remain in the home throughout participation. Move into an established home at settlement; for a home being built, within three months of completion. Any exception requires Housing Australia approval.

Residency / citizenship

All applicants must be Australian citizens aged at least 18; maximum two applicants.

Eligible property

Eligible new or existing home; new includes homes not previously lived in, rented or sold. Construction and off-the-plan conditions must be confirmed.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Cannot combine with another government purchase shared-equity scheme, loan or guarantee, including the 5%/2% Deposit Scheme. Eligible FHSS releases, first-home grants and duty concessions can be combined. Any state loan interaction requires checking with its administrator.

Must be unable to purchase without Help to Buy while using maximum reasonable savings and borrowing. Income, ownership, equity contribution and ongoing obligations are assessed by the program and lender. Over-limit income for two consecutive years may trigger an equity repayment assessment.

Review: 25 October 2026. Current Commonwealth core criteria, 2026-27 income and location caps, combinations, equity and occupancy; state-specific loan interactions need their own sources.

Supporting official source 1 ↗ Supporting official source 2 ↗ Supporting official source 3 ↗

Availability

Open

Support

Release eligible voluntary contributions of up to $15,000 per financial year and $50,000 in total, plus associated earnings. The releasable amount is generally 85% of eligible concessional and 100% of eligible non-concessional contributions.

First-home requirement

Generally never owned property in Australia, including land or commercial property; a financial-hardship exception may apply. Each eligible buyer may use their own FHSS entitlement.

Owner-occupancy

Intend to occupy the purchased home as soon as practicable and for at least six months within the first 12 months it is practicable to occupy.

Residency / citizenship

At least 18 when requesting release; no citizenship, residency or tax-residency condition stated for FHSS.

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Can be used alongside eligible government homebuyer schemes; contribution, tax and release requirements remain separate.

Obtain a determination before property ownership transfers. If already contracted, request release within 90 days of signing. Notify the ATO of the contract within 90 days. Normally sign a purchase/build contract within 12 months of release, with a usual automatic 12-month extension. Confirm the precise ATO sequence before contracting.

Review: 25 October 2026. Core FHSS contribution, release, contract and occupancy guidance verified through official First Home Buyers material; direct ATO pages were inaccessible.

Supporting official source 1 ↗

Availability

Official confirmation required — current detailed terms not reverified

Support

Home-loan and home-ownership support for eligible Aboriginal and Torres Strait Islander applicants.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Current IBA loan deposits, rates, income bands, shared-equity options and remote assistance must be confirmed with IBA. Official detailed pages could not be read during the 25 October 2026 audit; this does not establish that the program is closed.

Review: 25 October 2026. Availability review incomplete; no closure inferred. Attempted official loan deposit, rate and remote loan pages; substantive terms not reverified. Preserve prior last_checked; exclude from a fully verified current-program count.

Supporting official source 1 ↗ Supporting official source 2 ↗ Supporting official source 3 ↗

Availability

Open / service eligibility

Support

Monthly home-loan interest subsidy calculated from eligible service, the subsidised loan amount and prevailing subsidy rates; not a fixed cash grant.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Occupancy requirements apply; confirm any service-related exception with DHOAS.

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Generally requires ADF service on or after 1 July 2008 and at least two consecutive years of permanent service or four years of effective reserve service, plus service credit, a DHOAS loan and occupancy compliance. The administrator determines the tier, subsidy certificate and entitlement.

Review: 25 October 2026. Current operational status and headline service qualification; full individual entitlement and current rates remain administrator checks.

Availability

Closed to new applicants from 1 October 2025

Support

No separate current intake. Regional buyers use the current first-home-buyer or eligible single-parent/legal-guardian stream.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2025-09-30; check the contract, application or settlement conditions above

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Closure to new applications and successor routes confirmed.

Availability

Cross-reference to the current 2% single-parent/legal-guardian pathway

Support

See FED-002 for the current minimum 2% deposit pathway. This record is not an additional or independently countable benefit.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Do not add this record to FED-002 or count it as another subsidy.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Legacy Family Home Guarantee name cross-referenced to the current 2% single-parent/legal-guardian pathway.

Supporting official source 1 ↗

Availability

Open

Support

Eligible homes valued at no more than $800,000 are exempt; values above $800,000 and below $1 million receive a concession. Vacant land is exempt at no more than $350,000 and concessional above $350,000 and below $450,000.

Property-value cap

Home: exemption up to $800,000 inclusive; concession below $1 million. Vacant land: exemption up to $350,000 inclusive; concession below $450,000.

First-home requirement

Applicants and spouse/partner must not previously have owned or co-owned Australian residential property or received the scheme benefit, subject to Revenue NSW exceptions.

Owner-occupancy

For contracts exchanged from 1 July 2023, an eligible buyer moves in within 12 months of settlement and occupies continuously for at least 12 months.

Residency / citizenship

Individual buyers aged at least 18, subject to limited waivers; at least one eligible buyer must be an Australian citizen or permanent resident.

Eligible property

New or existing home, or vacant land on which a home will be built, in NSW.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Can accompany an eligible NSW FHOG and Commonwealth assistance. Foreign purchaser surcharge can still apply; normal first-home duty relief does not itself remove it.

Effective period

2023-07-01; check the contract, application or settlement conditions above

Use contract-exchange date. Buying with ineligible co-purchasers can require shared-equity apportionment and separate checks; an ineligible spouse/partner can prevent eligibility. A property at the upper concession limit receives no concession.

Review: 25 October 2026. Current first-home duty thresholds, basic personal and residence conditions; transaction-specific exceptions require Revenue NSW.

Availability

Open

Support

$10,000 for an eligible new or substantially renovated home.

Property-value cap

New-home purchase no more than $600,000; land plus building contract and variations no more than $750,000, with owner-builder rules applying separately.

First-home requirement

No prior FHOG. Prior Australian residential ownership before 1 July 2000 prevents eligibility; ownership from that date is assessed with the six-continuous-month occupancy history rule. Applicant and spouse/partner history matters.

Owner-occupancy

For contracts from 1 July 2023, move in within 12 months of settlement or completed construction and live there for at least 12 continuous months.

Residency / citizenship

Individuals aged at least 18; at least one applicant Australian citizen or permanent resident, with limited exceptions/waivers.

Eligible property

Eligible new or substantially renovated NSW home; not an ordinary established home purchase.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

May combine with eligible NSW first-home duty relief, federal guarantees, Help to Buy or FHSS, subject to each program.

Apply within 12 months after settlement or construction completion; Revenue NSW can consider late applications. Contract variations count towards the land-and-build cap.

Review: 25 October 2026. Current grant amount, new-home caps, residence, previous ownership and application deadlines.

Availability

Closed to new applications; existing participants continue

Support

Historical NSW shared-equity pilot. No new applications after 30 June 2024; ongoing participant obligations remain.

Income limit

Existing participant ongoing limits for 2026-27: $103,600 for individuals and $137,900 for couples; these are not Help to Buy entry limits.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2024-06-30; check the contract, application or settlement conditions above

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Closed pilot status and published 2026-27 ongoing participant income thresholds; not a new-applicant pathway.

Availability

Open, subject to eligibility and available funding

Support

Home Buyer Booster up to $2,500 towards eligible costs; Deadly Deposit matched savings up to $10,000; AHO Tenancy Plus co-contribution up to $20,000, with tenancy-related matching rates.

Minimum deposit

At least $1,000 saved; ordinarily no more than 30% of the purchase value, with specified discretionary exceptions.

Income limit

$200,000 annual taxable household income limit; the webpage and July 2026 guidelines differ on whether exactly $200,000 is included, so AHO must confirm the boundary.

First-home requirement

First-home buyer; no previous AHO home-ownership grant.

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Aboriginal applicant aged at least 18 and resident in NSW; evidence requirements apply.

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Current lender preapproval and at least a 25% ownership interest required. Tenancy Plus is for eligible AHO tenants. Booster cannot be used with the IBA remote package. Funding, grant combination and exact income-boundary decisions require AHO confirmation.

Review: 25 October 2026. Current AHO Home Buyer Saver grant streams; official webpage and guidelines differ at the exact $200,000 income boundary, so administrator confirmation is required.

Supporting official source 1 ↗ Supporting official source 2 ↗

Availability

Unverified current availability — authority confirmation required

Support

A distinct currently open AHO rent-to-buy benefit was not established from the official sources reviewed. Do not count this as a verified current additional program.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

The generic home-buying assistance page does not substantiate this named pathway. Homes NSW states rent-to-buy/shared-equity arrangements are unavailable for its properties, but that does not establish closure of a distinct AHO program. Confirm with AHO before presenting terms.

Review: 25 October 2026. Availability review incomplete; no closure inferred. Current AHO grant and Homes NSW tenant-purchase sources checked; distinct AHO rent-to-buy program not established. Null active_current excludes it from verified current or historical counts; no closure asserted. Preserve prior last_checked.

Supporting official source 1 ↗

Availability

Limited / property specific

Support

Eligible tenants may apply to purchase an approved social-housing property at market value; property-specific sale approval and finance are required.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Generally the head tenant must live in the home, have no rent arrears and obtain finance approval. Purchases may include approved co-buyers. A valuation fee and resale conditions apply. Homes NSW does not offer rent-to-buy or shared-equity arrangements for these properties.

Review: 25 October 2026. Current tenant purchase route and approval conditions; no blanket property availability or rent-to-buy entitlement.

Supporting official source 1 ↗

Availability

Historical/program-specific reference — current new-applicant assistance unverified

Support

Do not present this fund name as a verified currently open buyer grant, concessional loan or mortgage-relief entitlement.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

The fund can appear in government accounting material without establishing a current public intake. The existing generic source does not verify present eligibility or benefits. Existing participants should contact the relevant administrator.

Review: 25 October 2026. Availability review incomplete; no closure inferred. Corrected contradiction between Current badge and historical treatment. No new closure date inferred. Preserve prior last_checked.

Availability

Historical — purchases before 1 January 2012

Support

Historical first-home transfer-duty concession; use current First Home Buyers Assistance Scheme for a new purchase.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2011-12-31; check the contract, application or settlement conditions above

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Historical scheme name, end date and successor verified; not a current benefit.

Availability

Closed; historical purchases and applications only

Support

Historical $7,000 relocation grant; eligible purchase cutoff 30 September 2014 and application/supporting-document cutoff 31 March 2015.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2011-07-01 to 2014-09-30; check the contract, application or settlement conditions above

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Historical benefit, transaction closure and application deadline verified.

Availability

Open

Support

$10,000 for an eligible new home.

Property-value cap

$750,000 or less

First-home requirement

Applicant and spouse history is tested: prior grant, pre-July 2000 ownership, and subsequent ownership with six months of occupation can prevent eligibility.

Owner-occupancy

At least one applicant must occupy for 12 continuous months, starting within 12 months of settlement or completion.

Residency / citizenship

At least one applicant must be an Australian citizen or permanent resident; the SRO accepts New Zealand citizens without a Special Category Visa from 26 November 2025.

Eligible property

New homes, including eligible builds; generally not previously occupied or sold as a residence.

Target audience

Eligible first-home buyers of a new Victorian home

Combining with other assistance

The grant and first-home duty relief have separate eligibility tests.

Applicants generally must be at least 18. Apply within 12 months of settlement or completion. Family-violence relief may allow requalification despite earlier ownership or assistance; SRO assessment is required.

Review: 25 October 2026. Current grant amount, cap, applicant/occupation tests, NZ citizenship guidance and family-violence exception

Supporting official source 1 ↗

Availability

Open

Support

Duty exemption up to $600,000; concession above $600,000 up to $750,000.

Property-value cap

$750,000 dutiable value

First-home requirement

First-home applicant and spouse history tests apply; prior FHOG or first-home duty assistance may prevent eligibility.

Owner-occupancy

At least one purchaser occupies for 12 continuous months starting within 12 months of settlement; vacant land has separate construction/move-in deadlines.

Residency / citizenship

At least one purchaser must satisfy the SRO citizenship/permanent-residency rules; special NZ citizen guidance applies.

Eligible property

New or established home, or vacant land for a first home

Target audience

Eligible first-home owner-occupiers

Combining with other assistance

Choose the first-home or pensioner duty relief where both are available; an eligible FHOG may also apply.

Effective period

2017-07-01; check the contract, application or settlement conditions above

Natural persons aged 18 or over, market-value purchase and residence conditions apply. Family-violence relief may allow requalification despite earlier ownership or assistance; SRO assessment is required.

Review: 25 October 2026. Current duty thresholds and principal applicant/occupation tests

Supporting official source 1 ↗

Availability

Eligible contracts signed from 21 October 2024 to 20 April 2027 inclusive

Support

Qualifying construction costs incurred on or after the contract date reduce the value used for general duty. Foreign purchaser additional duty is calculated without this deduction. Obtain an official duty calculation.

Property-value cap

No property-value cap for this temporary concession

First-home requirement

No first-home buyer requirement

Owner-occupancy

No owner-occupancy requirement; investors, companies and trusts may qualify

Residency / citizenship

Available to all purchasers; foreign purchaser additional duty may still apply

Eligible property

Qualifying off-the-plan residential lots in strata subdivisions with common property

Target audience

Eligible purchasers, including first-home buyers, other owner-occupiers, investors, companies and trusts

Combining with other assistance

Combination rules require official confirmation.

Effective period

2024-10-21 to 2027-04-20; check the contract, application or settlement conditions above

The lot must meet the strata and common-property conditions. No property-value cap or owner-occupancy requirement applies to this temporary concession. Other duty concessions have separate requirements. Policy detail reviewed 25 October 2026: temporary concession eligibility and dates.

Review: 25 October 2026. Rechecked temporary off-the-plan eligibility, 21 October 2024–20 April 2027 contract window, no cap and foreign purchaser duty exclusion

Availability

Open

Support

Reduced PPR duty rates; savings of up to $3,100.

Property-value cap

$550,000 dutiable value or less

First-home requirement

No first-home requirement

Owner-occupancy

At least one purchaser must occupy for 12 continuous months, beginning within 12 months of settlement; vacant-land deadlines differ.

Residency / citizenship

Confirm purchaser and transaction requirements with SRO; foreign purchaser additional duty is separate.

Eligible property

An eligible home or vacant land on which a principal residence is built

Target audience

Owner-occupiers, including subsequent home buyers

Combining with other assistance

Combination rules require official confirmation.

The property must be purchased for market value. For vacant land, occupation starts by the earlier of 12 months after the occupancy certificate or 36 months after settlement.

Review: 25 October 2026. Current PPR concession value and occupation conditions

Availability

Open

Support

Exemption up to $600,000; concession above $600,000 up to $750,000, for qualifying contracts from 1 July 2023.

Property-value cap

$750,000 for the entire property, not just a purchaser’s share

First-home requirement

Not restricted to first-home buyers; generally a once-only benefit

Owner-occupancy

A qualifying cardholder must hold at least 25% and satisfy the 12-month occupation requirement, starting within 12 months of settlement; land has separate deadlines.

Residency / citizenship

An approved Commonwealth concession card must be held at settlement.

Eligible property

Eligible home or land to build a home; off-the-plan calculations require SRO assessment

Target audience

Eligible pensioners and concession cardholders

Combining with other assistance

First-home and pensioner duty relief cannot both be claimed; a separately eligible FHOG may be available.

Effective period

2023-07-01; check the contract, application or settlement conditions above

Market-value purchase, card and residence tests apply.

Review: 25 October 2026. Post-1 July 2023 pensioner/cardholder thresholds and eligibility

Availability

Closed to new participants

Support

See official program source

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Historical program: do not add its equity contribution to a current new-buyer estimate.

Review: 25 October 2026. Closure to new participants; historical-only status retained

Availability

Closed to new participants

Support

See official program source

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Historical program: do not add its equity contribution to a current new-buyer estimate.

Review: 25 October 2026. Closure to new participants; historical-only status retained

Availability

Historical

Support

See official program source

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Historical reference only; not a current application pathway.

Review: 25 October 2026. Historical pilot status and transfer to Homebuyer Fund; full old contract rules not re-audited

Supporting official source 1 ↗

Availability

Historical

Support

Historical $20,000 total grant for eligible new regional homes.

Property-value cap

Historical cap of $750,000

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2017-07-01 to 2021-06-30; check the contract, application or settlement conditions above

Historical only; do not add a regional boost to current purchases.

Review: 25 October 2026. Historical regional grant amount and contract window

Availability

Historical

Support

Historical $25,000 or $15,000 grant, depending on contract date.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2020-06-04 to 2021-03-31; check the contract, application or settlement conditions above

Historical only; not available for a new purchase or build contract.

Review: 25 October 2026. Closed status and final contract/application/document deadlines

Availability

Open, subject to authority assessment

Support

Grant components can total up to $37,500: $2,500 costs assistance, matched deposit up to $20,000, $5,000 extra for a new build, and duty assistance up to $10,000 based on actual duty.

Income limit

Individual or household annual income no more than $245,000

First-home requirement

Must not currently own a home when applying.

Owner-occupancy

Purchase a home in Victoria; confirm all ongoing occupation conditions with Homes Victoria.

Residency / citizenship

Currently live in Victoria; primary applicant must provide Aboriginal/Torres Strait Islander confirmation.

Eligible property

Eligible home purchase or new build in Victoria

Target audience

Eligible First Peoples homebuyers

Combining with other assistance

Other assistance may be available, subject to both programs’ conditions.

Up to four co-buyers; primary applicant needs at least 25% ownership. New-build applications must be approved before construction finishes.

Review: 25 October 2026. Current open status, grant components, income/residence and joint-purchase/build conditions; full 2026 DOCX agreement terms not independently extracted

Supporting official source 1 ↗ Supporting official source 2 ↗

Availability

Open, subject to authority assessment

Support

Exemption up to $150,000; concession up to $200,000.

Property-value cap

$200,000; land-and-build value applies where relevant

First-home requirement

No earlier Australian home used as the applicant’s principal residence; both spouses/partners must qualify.

Owner-occupancy

Must intend to use the property as a principal residence.

Residency / citizenship

Confirm complete purchaser requirements with SRO.

Eligible property

Market-value home purchase or eligible land-and-build transaction

Target audience

First-home purchasers with a dependent child under 18 in their care

Combining with other assistance

PPR relief applies automatically where eligible; assess the main first-home duty relief separately.

Child and contract timing tests apply. A relevant new home must be completed within three years of transfer for a refund.

Review: 25 October 2026. Current dependent-child duty relief and principal timing/value conditions

Availability

Open

Support

$30,000 for eligible contracts from 20 November 2023; the increased amount continues for eligible contracts from 1 July 2026. Earlier eligible contracts generally receive $15,000.

Property-value cap

Less than $750,000, including land and variations; $750,000 is excluded.

First-home requirement

Applicant and spouse must meet QRO’s prior grant, ownership and residence-history tests.

Owner-occupancy

Move in within one year of completion and occupy for at least six continuous months.

Residency / citizenship

At least one applicant must be an Australian citizen or permanent resident; qualifying New Zealand Special Category Visa holders can qualify.

Eligible property

Eligible new homes and builds; not ordinary established homes

Target audience

Eligible first-home buyers of new homes

Combining with other assistance

Eligible first-home duty relief may also apply; each scheme has separate requirements.

Effective period

2023-11-20; check the contract, application or settlement conditions above

Applicants generally must be 18. Construction, completion, application and spouse-history requirements apply.

Review: 25 October 2026. Current grant amount, no verified June 2027 expiry, strict value cap and principal applicant/occupation conditions

Supporting official source 1 ↗ Supporting official source 2 ↗

Availability

Open

Support

No transfer duty up to $700,000; stepped first-home concession below $800,000. At $800,000 or more, only the ordinary home concession may apply.

Property-value cap

First-home concession requires value below $800,000.

First-home requirement

Must never have held an interest in a residence anywhere in the world; other purchaser and transaction conditions apply.

Owner-occupancy

Move into the home within one year of settlement. Disposal, leasing and occupation obligations continue after claiming.

Residency / citizenship

For transactions from 1 August 2026, each claimant must be an Australian citizen, permanent resident or specified foreign retiree. Earlier transactions have no such residency condition.

Eligible property

Established residence purchased as a first home

Target audience

Eligible first-home owner-occupiers

Combining with other assistance

Combination rules require official confirmation.

Effective period

2024-06-09; check the contract, application or settlement conditions above

Current thresholds apply from 9 June 2024. Mixed ownership interests and foreign acquirer duty require separate assessment.

Review: 25 October 2026. Established-home thresholds, dates, ownership, occupation and 1 August 2026 residency condition

Supporting official source 1 ↗

Availability

Open

Support

Full transfer-duty relief on the eligible residential component, with no value cap.

Property-value cap

No value cap for the eligible residential component

First-home requirement

Must never have held an interest in a residence anywhere in the world; other purchaser and transaction conditions apply.

Owner-occupancy

Move into the home within one year of settlement. Disposal, leasing and occupation obligations continue after claiming.

Residency / citizenship

For transactions from 1 August 2026, each claimant must be an Australian citizen, permanent resident or specified foreign retiree. Earlier transactions have no such residency condition.

Eligible property

Qualifying new or substantially renovated home meeting QRO’s never-occupied/never-sold tests

Target audience

Eligible first-home buyers of a new residence

Combining with other assistance

A separately eligible FHOG can apply; its below-$750,000 cap does not limit this duty concession.

Effective period

2025-05-01; check the contract, application or settlement conditions above

Non-residential components and additional foreign acquirer duty may remain payable. Earlier contracts have different rules.

Review: 25 October 2026. New-home exemption, contract commencement, residency and scope

Supporting official source 1 ↗

Availability

Open

Support

Full transfer-duty relief on eligible residential vacant land, without a value cap.

Property-value cap

No cap for eligible residential vacant land under contracts from 1 May 2025

First-home requirement

Must never have held an interest in a residence anywhere in the world; other purchaser and transaction conditions apply.

Owner-occupancy

Build the first home and occupy within two years of the transfer date; ongoing disposal and occupation requirements apply.

Residency / citizenship

For transactions from 1 August 2026, each claimant must be an Australian citizen, permanent resident or specified foreign retiree. Earlier transactions have no such residency condition.

Eligible property

Qualifying vacant residential land for construction of a first home

Target audience

Eligible first-home buyers building on vacant land

Combining with other assistance

Combination rules require official confirmation.

Effective period

2025-05-01; check the contract, application or settlement conditions above

Earlier contracts have different value limits. QRO must confirm construction, residential use and any non-residential duty or AFAD.

Review: 25 October 2026. Vacant-land exemption, dates, residency and construction/occupation condition

Supporting official source 1 ↗

Availability

Round 2: South East Queensland allocations exhausted; regional allocations available through Unity Bank

Support

Queensland shared-equity contribution up to 30% for an eligible new home or 25% for an eligible existing home, with a minimum 2% deposit.

Minimum deposit

2% demonstrated savings, excluding the FHOG, plus acquisition costs

Income limit

2026 taxable income: $155,000 single adult; $232,000 two adults or a single adult with dependants

Property-value cap

$1 million or less

First-home requirement

Neither applicant nor spouse may own or have owned real property in Australia.

Owner-occupancy

Principal residence throughout participation; approval needed to vacate for more than three consecutive months.

Residency / citizenship

Australian citizen or permanent resident, aged 18 or over

Eligible property

Existing or completed new home; occupancy/final inspection certificate must predate contract. Excludes off-the-plan, vacant land and auction purchases.

Target audience

Eligible first-home buyers, currently subject to regional allocation availability

Combining with other assistance

FHOG and duty concessions remain subject to their separate tests. Cannot receive Commonwealth homebuyer guarantee/shared equity assistance or a state/territory homeownership loan or guarantee.

Apply through Unity Bank. Individual applicants only; title and loan names must match. Lender and scheme approval remain separate.

Review: 25 October 2026. Current allocations, 2026 income cap, deposit/property restrictions and scheme exclusions

Supporting official source 1 ↗ Supporting official source 2 ↗

Availability

Loan program open subject to assessment; expanded regional eligibility trial closes 31 October 2026

Support

Government home loan with a minimum 2% deposit, subject to eligibility and capacity to repay. The expanded regional income limit is a temporary trial.

Minimum deposit

2%, plus other homebuying costs

Income limit

Maximum gross annual household income: $141,000, or $201,000 for applicants who both live and intend to buy or build in an eligible regional area under the trial closing 31 October 2026

First-home requirement

Must not own or part-own another property; all department eligibility requirements apply

Owner-occupancy

Applicants must intend to live in the home

Residency / citizenship

Applicants must live in Queensland and be Australian citizens or permanent residents

Eligible property

Established house, unit, townhouse or duplex, or building a house

Target audience

Queensland applicants who meet the income, deposit, credit and repayment requirements

Combining with other assistance

Combination rules require official confirmation.

All applicants must meet the department's requirements, including age, employment history, savings, credit and capacity to repay. Confirm application and processing requirements directly; the published trial closure does not specify a contract or settlement deadline. Policy detail reviewed 25 October 2026: regional trial, income, deposit and eligibility summary.

Review: 25 October 2026. Rechecked regional trial closing 31 October 2026, income caps, 2% deposit and basic eligibility; prior corrected text retained

Availability

Limited / targeted

Support

A government loan to buy at least 60% of an eligible public-housing home; no rent on the government share.

Minimum deposit

$2,000 minimum

First-home requirement

Must not own or part-own other property; must be unable to afford the whole home through a standard loan.

Owner-occupancy

Live in the purchased home for the duration of the loan.

Residency / citizenship

Australian citizen or permanent resident aged at least 18; current tenant in the target public-housing home

Eligible property

The public-housing home currently occupied by the applicant, if available for sale

Target audience

Eligible public-housing tenants

Combining with other assistance

Combination rules require official confirmation.

Employment history, repayment capacity and departmental-debt tests apply. Principal-and-interest loan for up to 30 years, secured over the purchased share.

Review: 25 October 2026. Current tenant-only scope, minimum share/deposit and principal loan eligibility

Availability

Official check required

Support

Guidance on distinct ownership pathways; not a single grant or fixed benefit.

First-home requirement

Depends on the selected program

Owner-occupancy

Depends on the selected program

Residency / citizenship

Depends on the selected program

Eligible property

Varies by location and pathway, including designated Indigenous land and eligible public housing

Target audience

Aboriginal and Torres Strait Islander Queenslanders

Combining with other assistance

Combination rules require official confirmation.

Choose the specific pathway and confirm its availability, tenure and finance rules; no uniform cash entitlement is implied.

Review: 25 October 2026. Current official directory of First Nations ownership pathways

Availability

Historical

Support

Historical $5,000 regional new-home grant.

Property-value cap

Historical total value below $750,000

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2020-06-04 to 2021-03-31; check the contract, application or settlement conditions above

Not available for new contracts today. From December 2026, QRO says applications and claims are accepted by email only; the page does not state an exact changeover day.

Review: 25 October 2026. Historical contract window and announced December 2026 lodgement change

Availability

Open, subject to authority assessment

Support

Interest-free secured loan up to $20,000, repayable over 10 years; no repayments in the first 12 months.

Minimum deposit

No deposit; sufficient home equity required

Property-value cap

Mortgage balance must be below $500,000; combined relevant arrears no more than $20,000.

First-home requirement

No first-home requirement; must not own any other property.

Owner-occupancy

Owner-occupier intending to continue living in the home.

Residency / citizenship

Permanent Queensland resident

Eligible property

The applicant’s existing owner-occupied home

Target audience

Homeowners in unforeseen short-term financial hardship

Combining with other assistance

Other schemes have separate eligibility and combination requirements.

Can clear eligible arrears or subsidise the repayment portion exceeding 30% of gross income for up to six consecutive months. Paid to creditors; a registered mortgage secures repayment.

Review: 25 October 2026. Current benefit, arrears/mortgage limits, borrower scope and repayment/security conditions

Availability

Open, subject to authority assessment

Support

Reduced duty on the first $350,000; maximum saving $7,175.

Property-value cap

No overall home-value cap for the ordinary home concession

First-home requirement

No first-home requirement

Owner-occupancy

Move into the home within one year of settlement. Disposal, leasing and occupation obligations continue after claiming.

Residency / citizenship

For transactions from 1 August 2026, each claimant must be an Australian citizen, permanent resident or specified foreign retiree. Earlier transactions have no such residency condition.

Eligible property

Eligible residence bought to live in, including a subsequent home

Target audience

Eligible owner-occupiers, including repeat buyers

Combining with other assistance

Other schemes have separate eligibility and combination requirements.

Mixed-use property and mixed purchaser eligibility require separate calculations. Foreign acquirer duty may still apply.

Review: 25 October 2026. Current home-concession benefit, occupation and 1 August 2026 residency restrictions

Availability

Open

Support

Up to $15,000 for an eligible new home.

Property-value cap

No property-value cap for eligible transactions from 6 June 2024.

First-home requirement

For contracts from 13 February 2025, applicant and spouse/domestic partner must not previously have held a residential-property interest in Australia; other first-home conditions apply.

Owner-occupancy

Each applicant must live in the home for six continuous months starting within 12 months of completion.

Residency / citizenship

Each applicant aged 18 or over and a natural person; at least one Australian citizen, permanent resident, or qualifying New Zealand Special Category visa holder permanently residing in Australia.

Eligible property

New home purchase or construction; established homes and vacant land alone do not qualify.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Grant and first-home duty relief require separate eligibility and applications.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current grant amount, no price cap, ownership and residence requirements; historical eligibility is date-dependent

Availability

Open

Support

Full transfer-duty relief for eligible contracts from 6 June 2024.

Property-value cap

No value cap from 6 June 2024.

First-home requirement

For contracts from 13 February 2025, applicant and spouse/domestic partner must not previously have held a residential-property interest in Australia; other first-home conditions apply.

Owner-occupancy

Six continuous months for all applicants starting within 12 months of settlement.

Residency / citizenship

Each applicant aged 18 or over and a natural person; at least one Australian citizen, permanent resident, or qualifying New Zealand Special Category visa holder permanently residing in Australia.

Eligible property

New home or off-the-plan apartment

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Foreign ownership surcharge can remain payable. Grant eligibility is assessed separately.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current property types, uncapped relief, ownership test, residence requirement and refund deadline

Availability

Open

Support

Full transfer-duty relief for eligible contracts from 6 June 2024.

Property-value cap

No value cap from 6 June 2024.

First-home requirement

For contracts from 13 February 2025, applicant and spouse/domestic partner must not previously have held a residential-property interest in Australia; other first-home conditions apply.

Owner-occupancy

Six continuous months for all applicants, beginning within 12 months of the home becoming lawfully habitable or 36 months after land settlement, whichever comes first.

Residency / citizenship

Each applicant aged 18 or over and a natural person; at least one Australian citizen, permanent resident, or qualifying New Zealand Special Category visa holder permanently residing in Australia.

Eligible property

Vacant land on which the applicant will construct a new home

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Foreign ownership surcharge can remain payable. Grant eligibility is assessed separately.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current property types, uncapped relief, ownership test, residence requirement and refund deadline

Availability

Open / lending assessment

Support

Low-deposit home loan with no lenders mortgage insurance; credit assessment applies.

Minimum deposit

5% for an existing home; 8% to build; eligible first-home buyers using a partner builder may qualify for 2%. Other costs are additional.

First-home requirement

Previous owners may apply, but applicants must not own another property.

Owner-occupancy

Buy or build a home to live in within South Australia.

Residency / citizenship

Australian citizen, permanent resident or skilled migrant visa; aged 18 or over.

Eligible property

Existing home, new construction or land within South Australia.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current HomeStart Loan product, deposit, residency and property conditions

Availability

Open / lending assessment

Support

HomeStart equity contribution from 5% to 25% of the lower of purchase price and property value; settlement on sale or refinance follows the agreement.

Income limit

Net household income up to $120,000 per year after tax.

Property-value cap

$750,000 maximum purchase price.

First-home requirement

Must not own other property.

Owner-occupancy

Buy or build a home to live in within South Australia.

Residency / citizenship

Varies — confirm with authority

Eligible property

Eligible SA home purchase or construction; not a land-only loan.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Requires a HomeStart primary loan; cannot combine with Advantage Loan. Retained savings at settlement must not exceed $40,000.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current equity range, price/income/savings caps and combinations

Availability

Open / lending assessment

Support

Up to $10,000 for eligible upfront purchase costs; interest and repayment free for seven years.

Minimum deposit

Applicants need the required deposit but may lack upfront purchase costs.

Income limit

Net household income up to $110,000 per year after tax.

First-home requirement

Must not own another property.

Owner-occupancy

Owner-occupied South Australian home.

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Requires a HomeStart primary loan; retained savings no more than $10,000. Limited funding applies.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current amount, seven-year interest/repayment-free period, income/savings caps and funding condition

Availability

Open / lending assessment

Support

Low-deposit home loan with no lenders mortgage insurance; credit assessment applies.

Minimum deposit

2% for an existing home or eligible partner-builder package; 5% to buy land and build later or use another builder.

First-home requirement

Must not own another property; first-home status is not universally required.

Owner-occupancy

Buy or build a home to live in within South Australia.

Residency / citizenship

Australian citizen, permanent resident or skilled migrant visa; aged 18 or over.

Eligible property

Varies by program

Target audience

Employed eligible Certificate III or higher graduates; eligible technical-college graduates and specified police, firefighter and permanent-defence applicants.

Combining with other assistance

Combination rules require official confirmation.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current qualification and frontline-worker pathways, deposit and residency requirements

Availability

Closed to new loans since 3 June 2013; grandfathered borrowers only

Support

Legacy loan product; no current new-loan offer.

First-home requirement

Legacy agreement only.

Owner-occupancy

Existing loan terms apply.

Residency / citizenship

Existing loan terms apply.

Eligible property

Existing legacy loans only.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Product Information version 45 effective 22 October 2026, page 29 Appendix 1 and footnote 15: discontinued from 3 June 2013

Availability

Property-release dependent

Support

Access to designated affordable properties; not a cash grant.

Income limit

Published annual limits: Greater Adelaide $120,000 single / $155,000 couple or family; regional SA $95,000 / $120,000. Confirm exact boundary eligibility with HomeSeeker.

Property-value cap

Property-specific affordable listings and release conditions.

First-home requirement

Do not own residential property unless a binding sale contract meets program conditions.

Owner-occupancy

Live in the purchased home for at least six months after settlement.

Residency / citizenship

At least one buyer aged 18 or over and an Australian citizen or permanent resident.

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Assets below $579,500 single or $739,500 couple/family, excluding superannuation; deposit, costs and finance pre-approval are required.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current affordable-home income/assets limits, finance and occupancy conditions

Availability

Current applications unverified — contact HomeStart

Support

Historical subsidised secondary loan for Housing SA tenants; current new-loan availability and terms are unverified.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

Housing SA tenants under historical product terms

Combining with other assistance

Combination rules require official confirmation.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Availability review incomplete; no closure inferred. Historical product classification verified in HomeStart 2013-14 report pp12/41; current intake not verified

Availability

Closed; no new applications or further supporting submissions

Support

Historical $25,000 for eligible contracts 4 June–31 December 2020, or $15,000 for 1 January–31 March 2021.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2020-06-04 to 2021-03-31; check the contract, application or settlement conditions above

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Official closure and contract/application/document deadlines

Availability

Open / official assessment

Support

Up to $90,000, subject to maximising eligible primary-loan borrowing.

Income limit

Net household income up to $110,000 per year after tax.

First-home requirement

Must not own another property.

Owner-occupancy

Owner-occupied South Australian home.

Combining with other assistance

Requires HomeStart primary loan; cannot combine with Shared Equity Option. Retained savings no more than $20,000, or any lower companion-product limit.

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Open / official assessment

Support

Full relief: new home/off-the-plan apartment up to $2 million; vacant land up to $1.2 million. Partial relief below $2.1 million / $1.3 million respectively; none at those upper limits.

First-home requirement

Existing SA principal home must be sold within 12 months before/after replacement settlement or practical completion. Prior retained seniors relief disqualifies.

Owner-occupancy

All applicants: six continuous months from within 12 months of settlement; for land, within 12 months of lawful habitation or 36 months after settlement, whichever first.

Residency / citizenship

At least one applicant 60+ at contract and at least one citizen, permanent resident or qualifying NZ SCV holder.

Eligible property

New home, off-the-plan apartment, or land to build; smaller land size than existing home.

Combining with other assistance

Foreign ownership surcharge may remain payable. Current RevenueSA operational guidance; contracts from 25 March 2026.

Effective period

2026-03-25; check the contract, application or settlement conditions above

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Open / official assessment

Support

Equivalent full duty relief on eligible new or established homes or land to build; FHOG-equivalent relief only for new homes.

First-home requirement

Only the qualifying vacated home can be disregarded; other first-home criteria still apply.

Owner-occupancy

12 continuous months as principal residence from settlement or construction completion; discretionary variation or waiver may apply.

Target audience

Eligible victim-survivors re-establishing housing; individual RevenueSA assessment required.

Effective period

2026-06-04; check the contract, application or settlement conditions above

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Property-release dependent

Support

Priority access, not a grant or guaranteed finance.

First-home requirement

Never owned residential property in Australia.

Owner-occupancy

Intend to live in the home.

Residency / citizenship

Over 18 and Australian citizen or permanent resident.

Eligible property

Designated land and home releases; some Affordable Home Program allotments have additional criteria.

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Registration of interest; applications invited as projects become available

Support

Reduced rent while preparing to purchase; finance and final purchase requirements apply.

First-home requirement

Must not currently own property.

Owner-occupancy

Main place of residence.

Residency / citizenship

Australian citizen or permanent resident living in SA.

Target audience

SA residents currently renting, employed or self-employed, and meeting HomeSeeker income/assets/eligibility criteria.

Combining with other assistance

This is not an automatic mortgage approval or an unconditional right to buy.

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Existing borrowers; individual assessment

Support

Loan-arrangement support; no fixed cash grant.

Target audience

Existing HomeStart borrowers experiencing financial difficulty.

Combining with other assistance

Interest, charges or the loan term may increase. Contact HomeStart early to discuss a sustainable arrangement.

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Open

Support

Up to $10,000 for an eligible new home.

Income limit

No income or assets test.

Property-value cap

For transactions commencing from 7 May 2026: $800,000 south of the 26th parallel and $1 million north. Earlier southern cap: $750,000.

First-home requirement

Applicant and spouse must meet prior grant and ownership tests; pre/post-1 July 2000 ownership and occupation rules differ.

Owner-occupancy

Each applicant must occupy for six continuous months starting within 12 months of completion.

Residency / citizenship

Natural persons aged 18 or over; at least one Australian citizen or permanent resident, subject to official exceptions.

Eligible property

New or eligible substantially renovated home; not an established home.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current grant amount, 7 May 2026 southern cap change, occupancy and application deadline

Availability

Open

Support

Contracts from 7 May 2026: homes up to $600,000 exempt, then $16.15 per $100 or part above $600,000 to $800,000; land up to $450,000 exempt, then $20.14 per $100 or part above $450,000 to $550,000.

Property-value cap

$800,000 home / $550,000 vacant land for agreements from 7 May 2026; general duty above these caps.

First-home requirement

Must meet FHOG-related applicant and ownership tests, including eligible established-home buyers.

Owner-occupancy

Six continuous months beginning within 12 months of completion, subject to official requirements.

Residency / citizenship

Varies — confirm with authority

Eligible property

Eligible first home or vacant land for a first home.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

From 7 May 2026 land agreements have no combined land/build value cap. Earlier land agreements retain a combined cap that also depends on the separate building contract date. Foreign transfer duty can remain payable.

Ask RevenueWA or your conveyancer whether an eligible transaction from 7 May 2026 needs reassessment. Eligibility conditions still apply. Policy detail reviewed 25 October 2026: reassessment and refund guidance.

Review: 25 October 2026. Reassessment of eligible transactions assessed without the applicable new duty rates

Supporting official source 1 ↗

Availability

Open / lending assessment

Support

Low-deposit mortgage with no lenders mortgage insurance.

Minimum deposit

Higher of 2% or $2,000, subject to property and location.

Income limit

Maximum annual income: $155,000 single / $228,000 couple or family in metropolitan/regional WA; $225,000 / $285,000 in Kimberley/Pilbara.

Property-value cap

$860,000 statewide.

First-home requirement

Previous owners can qualify, but applicants cannot currently own another home or land.

Owner-occupancy

Must live in the purchased home; investment purchases excluded.

Residency / citizenship

Varies — confirm with authority

Eligible property

Eligible new, established or modular homes.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Current caps: https://www.keystart.com.au/time-to-be-your-own-landlord

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current product, deposit and ownership; income/value caps cross-checked on Keystart current limits page

Availability

Open / property and lending assessment

Support

Housing Authority co-owns a share to reduce the buyer loan; the approved share depends on financial circumstances.

Minimum deposit

Higher of 2% or $2,000; no lenders mortgage insurance.

Income limit

$128,000 single / $197,000 couple or family.

Property-value cap

$720,000 statewide under the current Shared Ownership limits.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Owner-occupied home; owner remains responsible for property costs.

Residency / citizenship

Varies — confirm with authority

Eligible property

Approved shared-ownership properties and eligible GoodStart or Sole Parent pathways.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

No rent or interest on the Housing Authority share. Current caps: https://www.keystart.com.au/time-to-be-your-own-landlord

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current shared-ownership features and current limit table

Availability

Open / lending assessment

Support

Full or shared ownership low-deposit mortgage options, with dedicated Aboriginal home ownership support.

Minimum deposit

Higher of 2% or $2,000; no lenders mortgage insurance.

Income limit

Product, ownership structure and location-specific Keystart limits; obtain an assessment.

Property-value cap

Product and location-specific Keystart limits; obtain an assessment.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Eligible owner-occupied home.

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

Aboriginal and Torres Strait Islander applicants.

Combining with other assistance

Combination rules require official confirmation.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current Aboriginal product and full/shared ownership pathways

Availability

Open / lending assessment

Support

Housing Authority shared ownership can reduce the buyer mortgage; no lenders mortgage insurance.

Minimum deposit

Higher of 2% or $2,000.

Income limit

Keystart assessment and current product limits apply.

Property-value cap

Keystart assessment and current product limits apply.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Eligible owner-occupied home.

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

Applicants with a permanent disability, or caring for a dependant with permanent disability, affecting housing needs.

Combining with other assistance

Eligible FHOG can contribute to the deposit when building, excluding modular construction under this product guidance.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current disability, deposit and shared-ownership features

Availability

Open / eligible developments

Support

Low-deposit apartment home loan with no lenders mortgage insurance.

Minimum deposit

2%, subject to Keystart assessment.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Owner-occupiers only.

Residency / citizenship

Varies — confirm with authority

Eligible property

Eligible apartments, including one-bedroom apartments, anywhere in Western Australia under the current FAQ.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current product remains offered; eligible apartment geography and deposit

Availability

Open subject to funding and eligibility

Support

Up to $2,000 reimbursement of eligible incidental purchase costs.

Property-value cap

$500,000 maximum purchase price.

First-home requirement

No current or previous WA home ownership; partial joint assistance may be possible.

Owner-occupancy

Live in the home for the first 12 months; qualifying existing fixed tenancy can delay occupancy for up to six months, then 12 months residence applies.

Residency / citizenship

Varies — confirm with authority

Eligible property

Established or partially built home purchased through a licensed WA real-estate agency and financed by a lending institution.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

The $500,000 cap applies to applications lodged from 16 December 2024.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current $2,000 benefit, $500,000 price cap, agency/finance, 90-day deadline and occupancy conditions

Availability

Open to eligible transactions

Support

Qualifying pre-construction contracts: 100% concession to $800,000, tapering to 50% at $900,000; 50% above. Under-construction: 75% to $800,000, tapering to 37.5% at $900,000; 37.5% above. Maximum concession $50,000.

First-home requirement

Not limited in the official guidance to first-home buyers.

Owner-occupancy

Check qualifying development, contract and construction conditions with RevenueWA; do not assume a first-home or owner-occupier limitation.

Residency / citizenship

Varies — confirm with authority

Eligible property

Qualifying off-the-plan strata/community and specified survey-strata/community-land new homes; construction-stage tests apply.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

RevenueWA must determine interactions and any reassessment of a contract assessed under earlier rules.

Effective period

2026-03-12 to 2028-06-30; check the contract, application or settlement conditions above

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current 12 March 2026 extension/expansion and concession tiers

Availability

Property availability dependent

Support

Buy an approved property jointly with the Housing Authority using a Keystart Shared Ownership Home Loan.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Eligible owner-occupied property under Keystart shared-ownership terms.

Residency / citizenship

Varies — confirm with authority

Eligible property

Available properties offered through Opening Doors.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Use Keystart shared-ownership assessment and current property availability.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current department shared-ownership initiative and Opening Doors property listings

Availability

Historical — not a current additional benefit

Support

See official program source

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Current FHOG amount verified; historical boost record retained without fresh verification of exact archival commencement/cessation dates

Availability

Closed to applications

Support

Historical $25,000 or $15,000 HomeBuilder grant depending on contract date.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2020-06-04 to 2021-03-31; check the contract, application or settlement conditions above

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Official historical status and application/supporting-document deadlines

Availability

Open / official assessment

Support

Shared equity contribution up to $250,000; no lenders mortgage insurance.

Minimum deposit

2%, subject to assessment.

Income limit

$128,000 single / $197,000 couple or family.

Property-value cap

$800,000 statewide.

Owner-occupancy

Owner-occupied property.

Eligible property

Eligible off-the-plan/new apartments, townhouses, villas and units; green-title new builds on land up to 300m² Perth/Peel or 500m² regional; qualifying survey-strata builds.

Combining with other assistance

Distinct from Urban Connect Home Loan and regular Shared Ownership. Current limits: https://www.keystart.com.au/time-to-be-your-own-landlord

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Open / official assessment

Minimum deposit

2%; no lenders mortgage insurance.

Income limit

Maximum annual income: $155,000 single / $228,000 couple or family in metropolitan/regional WA; $225,000 / $285,000 in Kimberley/Pilbara.

Property-value cap

$700,000 established home / $750,000 eligible new, off-the-plan or under-construction home.

Owner-occupancy

Owner-occupied home.

Target audience

Relevant qualification, apprenticeship or eligible work pathway in the preceding five years; current detailed eligibility must be checked.

Combining with other assistance

Current criteria include specified Police Academy/DFES pathways. Lending assessment applies; FHOG may contribute if separately eligible.

Effective period

2025-12-12; check the contract, application or settlement conditions above

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Pilot / eligible developments and lending assessment

Support

Developer-deposit finance for up to five years, subject to product assessment.

Eligible property

Eligible off-the-plan apartments.

Combining with other assistance

Only with Urban Connect. Borrower remains liable for the deposit loan even if the main purchase cannot complete.

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Eligible tenant and property assessment

Support

Up to $3,000 for duty/settlement costs; approved tenant improvements may attract a discount.

Eligible property

Approved public housing property; an alternative property may be offered if available.

Target audience

Tenants with at least three continuous years with Housing and Works, no residential land interest and no current department debt/arrears.

Combining with other assistance

Finance pre-approval and department approval are required. This is separate from automatic first-home grant eligibility.

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Limited historical off-the-plan applications only

Support

$20,000 for an eligible historical transaction.

First-home requirement

Not restricted to first-home buyers under the original scheme.

Owner-occupancy

Check original transaction requirements with RevenueWA.

Eligible property

Qualifying single-tier off-the-plan development; construction ordinarily had to commence within 30 months of the contract.

Combining with other assistance

This is distinct from the closed Commonwealth HomeBuilder grant. Replacement-builder and completion evidence require RevenueWA review.

Effective period

2020-06-04 to 2020-12-31; check the contract, application or settlement conditions above

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Existing borrowers; individual assessment

Support

Loan-arrangement support, not a fixed cash grant.

Target audience

Keystart customers experiencing financial difficulty.

Combining with other assistance

An agreed hardship arrangement is reported as financial-hardship information on the borrower credit file; discuss terms with Keystart.

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Service eligibility assessment

Support

Legal information and assistance; not a mortgage grant or subsidised loan.

Target audience

Western Australians experiencing mortgage stress.

Combining with other assistance

Contact Legal Aid WA to establish available assistance; lender hardship arrangements are separately assessed.

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Open / official assessment

Support

$1.50 per $100 or part up to $120,000; then $1,800 plus $4.04 per $100 or part above $120,000 through $200,000.

Property-value cap

$200,000 whole-property value.

First-home requirement

Not limited to first-home buyers.

Owner-occupancy

Principal residence and official residence/transaction conditions apply.

Review: 25 October 2026. Current official product or operational guidance; no automatic eligibility or benefit calculation

Availability

Open

Support

$20,000 for eligible transactions commencing 1 July 2026–30 June 2027. The preceding 1 July 2025–30 June 2026 window was $30,000.

First-home requirement

Applicant/spouse ownership and prior-grant tests apply: no residential ownership before 1 July 2000; later ownership with occupation for more than six months also disqualifies.

Owner-occupancy

At least one eligible applicant must occupy for six continuous months starting within 12 months of completion.

Residency / citizenship

Applicants are natural persons aged at least 18; at least one is an Australian citizen or permanent resident.

Eligible property

New home not previously occupied or sold as a residence, including eligible kit homes.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2026-07-01 to 2027-06-30; check the contract, application or settlement conditions above

The transaction commencement test differs for purchase, building contract and owner-builder. Higher-grant construction must be completed within 24 months of the building contract or laying foundations. Apply the official spouse and previous-grant rules; a settlement date alone does not select the grant window.

Review: 25 October 2026. Current grant amount/window and core applicant, ownership and occupancy rules

Availability

Closed for new settlements after 30 June 2026; historical claims only

Support

Historical 100% duty exemption for eligible established-home settlements from 18 February 2024 through 30 June 2026, valued at $750,000 or less.

Property-value cap

$750,000 for the 18 February 2024–30 June 2026 full-exemption window

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2024-02-18 to 2026-06-30; check the contract, application or settlement conditions above

Settlement/transfer date, not merely contract date, controls this relief. Earlier 50% concession windows used different value limits; consult the official source for historical applications.

Review: 25 October 2026. Closure of established-home duty relief for settlements after 30 June 2026; historical full-exemption window

Availability

Open subject to funding and lender assessment

Support

Government equity up to the lesser of $300,000 or 40% for a new home, or $150,000 or 30% for an existing home; equity must be bought out within 30 years.

Minimum deposit

2%

Income limit

Household-size and property-type limits apply under the 1 July 2026 schedule; exemptions apply to eligible first-home assistance recipients and Homes Tasmania tenants.

Property-value cap

New homes and house-and-land packages: $800,000 from 1 November 2025; existing homes: $750,000.

First-home requirement

First-home status is not universal; no other property except land on which the assisted home is built, and no previous HomeShare, Streets Ahead or Home Ownership Assistance Program assistance.

Owner-occupancy

The purchased house must be the applicant’s main residence.

Residency / citizenship

Live in Tasmania; Australian citizen or permanent resident; age 18 or over.

Eligible property

Eligible new or existing homes within the relevant price cap.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Financial assets cap $124,268 under the 1 July 2026 table. Income/assets exemptions include qualifying FHOG applicants and Homes Tasmania tenants. Lender assessment, establishment costs, bankruptcy and debts to Homes Tasmania also apply.

Review: 25 October 2026. Current shared-equity structure, property limits and July 2026 income/asset schedule

Supporting official source 1 ↗

Availability

Current availability unverified; seek official confirmation

Support

No current benefit is verified in this audit.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Retained as an unverified register entry, not a confirmed current offer or a confirmed closure. Check Homes Tasmania before relying on it.

Review: 25 October 2026. Availability review incomplete; no closure inferred. Availability not verified; current sources only identify prior Streets Ahead recipients

Supporting official source 1 ↗

Availability

Replaced by MyHome; existing participant arrangements continue

Support

See official program source

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Replaced by MyHome; existing HomeShare participants continue under their agreement

Availability

Historical grant windows; current grant is TAS-001

Support

Historical $30,000 windows: 1 April 2021–30 June 2024 and 1 July 2025–30 June 2026. Transactions from 1 July 2024–30 June 2025 had a $10,000 grant.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Historical grant boosts and current successor record

Availability

Closed: applications 14 April 2021; payment documents 30 June 2025

Support

Historical Tasmanian HomeBuilder $20,000 for eligible new builds. Commonwealth amounts administered in Tasmania were $25,000 or $15,000 by contract date.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2020-06-04 to 2021-03-31; check the contract, application or settlement conditions above

Any estimated benefit remains subject to the program rules and official assessment.

Review: 25 October 2026. Closed application and supporting-document deadlines

Availability

Closed to new agreements after 30 June 2026; legacy settlements may qualify

Support

A 50% duty concession may remain available for eligible agreements dated 1 July 2024–30 June 2026 where the transfer occurs before 30 June 2031.

Property-value cap

$750,000

First-home requirement

Not limited to first-home buyers.

Owner-occupancy

Check the official concession criteria; do not infer eligibility from intended occupancy alone.

Residency / citizenship

Natural persons aged 18 or over; at least one Australian citizen or permanent resident.

Eligible property

Eligible strata or conjoined apartment/unit with no occupancy permit at agreement date.

Target audience

Eligible applicants under the specific program

Combining with other assistance

Cannot be combined with the First Home Owner Grant or another duty concession/exemption.

Effective period

2024-07-01 to 2026-06-30; check the contract, application or settlement conditions above

Both the agreement window and transfer deadline apply. The transfer must be before 30 June 2031, not on that date. This record does not indicate availability for a new October 2026 agreement.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Availability

Open; official assessment required

Support

Up to $2,000 per house for approved essential item replacement within two years of settlement when buying an existing Homes Tasmania property with MyHome.

First-home requirement

MyHome purchase conditions apply.

Owner-occupancy

Owner occupation required; see eligibility notes

Residency / citizenship

Confirm all applicant requirements with the authority

Eligible property

Existing Homes Tasmania property purchased through MyHome

Target audience

Eligible applicants under the specific program

Combining with other assistance

Check the rules of each scheme before combining assistance.

Covers specified essential-item replacement, not general repairs. Check the listed items and approval process with Homes Tasmania.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Availability

Open

Support

Full conveyance-duty exemption for eligible transactions from 1 July 2026.

Income limit

No income cap from 1 July 2026

Property-value cap

No property-value cap from 1 July 2026

First-home requirement

Not restricted to first-ever buyers: all buyers and domestic partners must have held no legal or equitable property interest anywhere in the preceding five years, subject to official exceptions.

Owner-occupancy

At least one buyer must live in the home continuously for one year, starting within one year of settlement or the certificate of occupancy.

Residency / citizenship

All buyers must be individuals aged at least 18; the published HBC eligibility does not impose a citizenship or permanent-residency test.

Eligible property

Eligible new or established homes and vacant residential land in the ACT.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2026-07-01; check the contract, application or settlement conditions above

Apply the HBC five-year test independently of state first-home grant or first-ever-buyer flags. The five-year period replaced the earlier two-year test on 1 July 2024. Earlier transactions use their own income and value limits.

Review: 25 October 2026. Rules effective 1 July 2026 and independent five-year property-ownership test

Supporting official source 1 ↗

Availability

Open / ballot and land availability

Support

For post-1 October 2013 leases, annual land rent is 2% of unimproved land value; the buyer finances the home separately.

Income limit

$170,000 household gross income plus $3,330 per dependent child, up to five ($186,650), under the table commencing 1 July 2023.

First-home requirement

No ownership of other real property in Australia or overseas; not a universal first-ever-buyer requirement.

Owner-occupancy

At least one lessee must live in the home after its certificate of occupancy.

Residency / citizenship

Varies — confirm with authority

Eligible property

Eligible ACT land-rent lease and the home built on it.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

If income exceeds the threshold for two consecutive years, another property is acquired, or occupancy ends, transition rules may require leaving the scheme. Pre-1 October 2013 leases have different rules.

Review: 25 October 2026. Current post-1 October 2013 lease rules; not pre-2013 lease rules

Availability

Property-release dependent

Support

Access to designated affordable homes released through the scheme; availability and price depend on the development.

Income limit

Gross household income must be below $100,000 with up to two children; below $116,000 with three; $132,000 with four; $148,000 with five or more.

First-home requirement

No applicant or household occupant may own or previously have owned property in Australia or overseas, subject to assessed special circumstances.

Owner-occupancy

Live in the purchased home for 12 months following settlement.

Residency / citizenship

Age at least 18 and Australian citizen or permanent resident; current ACT residence is not required.

Eligible property

Designated apartments, terraces and townhouses offered through the scheme.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Financial assets must not exceed $116,375 for one person or $148,625 for two or more household members. Include income of all adult future occupants. A Skilled Regional Visa subclass 491 does not qualify.

Review: 25 October 2026. Correct administrator/source plus current income, asset, ownership and occupancy rules

Supporting official source 1 ↗

Availability

Open

Support

Full duty exemption from 1 July 2026 for eligible pensioner transactions.

Property-value cap

No property-value cap from 1 July 2026

First-home requirement

For qualifying existing homeowners moving home; not a first-home scheme.

Owner-occupancy

The eligible pensioner must occupy the new home continuously for at least one year within one year of settlement or occupancy certification.

Residency / citizenship

Varies — confirm with authority

Eligible property

Eligible homes or vacant land acquired under the pensioner scheme.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2026-07-01; check the contract, application or settlement conditions above

Eligibility includes the qualifying pension/card category, former-home and purchaser-name rules, natural-person/age requirements, and no previous pensioner concession or Over 60s Home Bonus. Detailed sale timing and exceptions require the Revenue Office check.

Review: 25 October 2026. 1 July 2026 cap removal and expanded DVA categories; remaining detailed sale/ownership conditions require official assessment

Supporting official source 1 ↗

Availability

Open; official eligibility assessment

Support

Full duty exemption for eligible transactions from 1 July 2026.

Property-value cap

No property-value cap from 1 July 2026

First-home requirement

No other property in the preceding two years, subject to the scheme’s exceptions; not the HBC five-year test.

Owner-occupancy

The qualifying NDIS participant must occupy for one continuous year starting within one year of settlement or the certificate of occupancy.

Residency / citizenship

Qualifying NDIS participant is an ACT resident; all buyers are individuals aged at least 18.

Eligible property

Eligible home or residential land bought by a qualifying NDIS participant holding at least 51% of ownership.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2026-07-01; check the contract, application or settlement conditions above

Requires an NDIS individual funding package, at least 51% ownership by the eligible participant and no joint-tenancy purchase. Prior use and prior-property rules apply. Check exceptions and legal ownership structure with the Revenue Office.

Review: 25 October 2026. Current duty exemption, shareholding, prior-ownership and occupancy conditions

Supporting official source 1 ↗

Availability

Open for eligible contracts

Support

Full conveyance-duty exemption for qualifying off-the-plan unit contracts from 1 July 2026.

Property-value cap

No property-value cap from 1 July 2026; earlier contract windows had caps.

First-home requirement

Not restricted to first-home buyers.

Owner-occupancy

At least one buyer must occupy for one continuous year beginning within 12 months of settlement.

Residency / citizenship

All buyers must be individuals aged at least 18.

Eligible property

Off-the-plan unit-titled apartments and townhouses that satisfy the scheme.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2026-07-01; check the contract, application or settlement conditions above

The contract must be an off-the-plan purchase. A completed developer unit may instead fall under the separate newly unit-titled exemption. Do not apply older value caps to current contracts.

Review: 25 October 2026. No value cap for eligible contracts from 1 July 2026; owner-occupier conditions

Supporting official source 1 ↗

Availability

Closed for transactions from 1 July 2019

Support

Historical $7,000 for eligible transactions from 1 January 2017–30 June 2019.

Property-value cap

Historical $750,000 cap

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2017-01-01 to 2019-06-30; check the contract, application or settlement conditions above

Historical entitlement follows contract date or owner-builder commencement, not simply settlement date.

Review: 25 October 2026. Historical closure and final grant window

Availability

Open; official assessment required

Support

Full duty exemption for qualifying completed new unit-titled homes purchased directly from the developer from 1 July 2026.

Property-value cap

No property-value cap

First-home requirement

Not restricted to first-home buyers.

Owner-occupancy

At least one buyer must occupy continuously for one year starting within one year of settlement.

Residency / citizenship

All buyers individuals aged at least 18.

Eligible property

Newly built, completed and certified unit-titled dwelling bought within two years of unit-plan registration; purchaser is its first occupant.

Target audience

Eligible applicants under the specific program

Combining with other assistance

Check the rules of each scheme before combining assistance.

Effective period

2026-07-01; check the contract, application or settlement conditions above

Must be purchased from the developer after completion and never previously occupied, including rented or temporary occupation. Off-the-plan contracts use their separate exemption.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Availability

Open; official assessment required

Support

An interest-free repayable loan up to $10,000 may assist qualifying owner-occupiers after an unforeseen financial change; the arrears component is limited to $5,000.

Property-value cap

Home value must not exceed the ACT median house price used by the scheme, updated monthly.

First-home requirement

Not a first-home-only program; no interest in another property, including through a trust.

Owner-occupancy

Applicant owns and occupies the mortgaged home.

Residency / citizenship

Confirm all applicant requirements with the authority

Eligible property

Applicant’s principal home with at least 10% equity.

Target audience

Eligible applicants under the specific program

Combining with other assistance

Check the rules of each scheme before combining assistance.

Unforeseen change must be within the previous 12 months; other assistance including lender hardship must be explored. Loan repayment begins after six months and runs for five years, secured by a caveat. Sale, refinancing or renegotiation may require repayment. Prior mortgage contributions and insurance conditions also apply.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Availability

Open; official assessment required

Support

Eligible ACT public-housing tenants may buy 70% of their home using an IMB loan, with Housing ACT retaining 30% equity.

First-home requirement

Public-housing tenant purchase pathway; eligibility is separately assessed.

Owner-occupancy

Tenant purchase and scheme occupancy conditions apply.

Residency / citizenship

Confirm all applicant requirements with the authority

Eligible property

Approved public-housing property offered for sale.

Target audience

Eligible applicants under the specific program

Combining with other assistance

Check the rules of each scheme before combining assistance.

Generally requires at least three years as a public-housing tenant. Property exclusions and rental-arrears rules apply. The government share is repurchased using the current value, with required purchases at years five and fifteen; check the current agreement and lending assessment.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Availability

Open; official assessment required

Support

Eligible pensioners can defer full duty payment; duty is not reduced. Simple interest accrues on the unpaid principal.

First-home requirement

Not a first-home-only scheme.

Owner-occupancy

At least one buyer must live in the home continuously for one year, starting within one year of settlement or the certificate of occupancy for land.

Residency / citizenship

Confirm all applicant requirements with the authority

Eligible property

A home or residential land for the buyer’s principal residence.

Target audience

Eligible applicants under the specific program

Combining with other assistance

Check the rules of each scheme before combining assistance.

Eligible categories include Australian age pension, Disability Support Pension at age 50+, DVA Gold Card, and DVA Service Pension from 1 July 2026; the Gold Card one-year holding period no longer applies to transactions from that date. Claim with the Buyer Verification Declaration before registration. First payment within five years of duty becoming payable; full payment plus interest within ten years of registration.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Supporting official source 1 ↗

Availability

Historical transaction pathways; existing deferral repayments continue

Support

Eligible transactions before 1 July 2026 may defer at least $1,000 of duty remaining after the homebuyer or pensioner concession. Interest applies.

First-home requirement

Historical HBC or pensioner concession eligibility applies.

Owner-occupancy

Underlying concession requirements apply.

Residency / citizenship

Confirm all applicant requirements with the authority

Eligible property

Property qualifying under the relevant historical concession.

Target audience

Eligible applicants under the specific program

Combining with other assistance

Check the rules of each scheme before combining assistance.

Effective period

2026-06-30; check the contract, application or settlement conditions above

From 1 July 2026 eligible HBC/PDC buyers have no duty to defer because value caps were removed. Existing deferrals require a first payment within five years and full payment plus interest within ten years of registration. Deferral cannot be claimed after the BVD and title registration have been completed.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Availability

Open; official assessment required

Support

A qualifying special disability trust can receive a duty exemption for the principal home of its beneficiary.

First-home requirement

No first-home restriction stated in the published program criteria.

Owner-occupancy

The qualifying beneficiary must live in the home as their principal residence.

Residency / citizenship

Confirm all applicant requirements with the authority

Eligible property

Home purchased by a qualifying special disability trust, excluding purchases from a family member.

Target audience

Eligible applicants under the specific program

Combining with other assistance

Check the rules of each scheme before combining assistance.

Effective period

2010-07-01; check the contract, application or settlement conditions above

Services Australia must assess the beneficiary against the severe-disability definition. Trust requirements include one principal beneficiary, care/accommodation purpose, financial statements and required independent audits. This is separate from the individual NDIS duty concession.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Availability

Open; official assessment required

Support

Duty exemption for an eligible person with a severe disability or their carers, without establishing a special disability trust.

First-home requirement

Past property ownership does not restrict this exemption.

Owner-occupancy

The person with a severe disability must live in the home as their principal residence.

Residency / citizenship

Confirm all applicant requirements with the authority

Eligible property

Home purchased in the disabled person’s or carers’ names; purchases from family members excluded.

Target audience

Eligible applicants under the specific program

Combining with other assistance

Check the rules of each scheme before combining assistance.

Effective period

2025-07-01; check the contract, application or settlement conditions above

Evidence must establish the Services Australia severe-disability definition. The Revenue Office assesses the application; there is no self-declared BVD exemption code. Do not substitute the separate NDIS 51%-ownership test.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Availability

Closed to contracts after 30 June 2026

Support

Historical duty exemption for the first transfer of newly unit-titled RZ1 property under contracts from 27 November 2023 through 30 June 2026.

Property-value cap

$1,020,000 for 1 July 2025–30 June 2026; $1,000,000 for 2024–25; $800,000 for 27 November 2023–30 June 2024.

First-home requirement

No first-home condition in the stated transaction criteria.

Owner-occupancy

Check the official historical scheme criteria.

Residency / citizenship

Confirm all applicant requirements with the authority

Eligible property

First transfer of either unit on an RZ1 block unit-titled on or after 27 November 2023.

Target audience

Eligible applicants under the specific program

Combining with other assistance

Check the rules of each scheme before combining assistance.

Effective period

2023-11-27 to 2026-06-30; check the contract, application or settlement conditions above

Use the signed-and-exchanged contract date and the corresponding value cap. This historical RZ1 scheme is separate from the current newly unit-titled exemption.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Availability

Available to eligible buyback participants; individual assessment

Support

Eligible owners who surrender an affected home through the ACT buyback can use a duty concession on one replacement ACT property purchase, capped at the duty-equivalent value of the surrendered home.

First-home requirement

For eligible existing owners, including landlords; not first-home-only.

Owner-occupancy

Not a universal owner-occupier condition; eligible landlords are included.

Residency / citizenship

Confirm all applicant requirements with the authority

Eligible property

One replacement ACT property bought by an eligible affected-home owner.

Target audience

Eligible applicants under the specific program

Combining with other assistance

Check the rules of each scheme before combining assistance.

Generally requires affected-home title held as at 28 October 2014 and acquired before 18 February 2014, with stated exceptions. One indivisible concession per household; unused difference is not refunded. The authority determines the relevant historical rate, surrender value and eligibility. Apply before replacement title registration.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Availability

Available to eligible buyback participants; individual assessment

Support

Eligible owners selling an impacted property to the ACT buyback may receive a duty concession on one replacement ACT home, capped at the duty-equivalent value of the sold property.

First-home requirement

For qualifying existing impacted-property owners.

Owner-occupancy

Check the official buyback conditions.

Residency / citizenship

Confirm all applicant requirements with the authority

Eligible property

One replacement ACT home following sale of an officially determined eligible impacted property.

Target audience

Eligible applicants under the specific program

Combining with other assistance

Check the rules of each scheme before combining assistance.

The home must be officially determined eligible and sold to the ACT; an incomplete sale contract is conditional on eventual completion. One indivisible concession per household. The reference rate is generally 19 November 2015 or the later determination date under the stated six-month rule. Unused concession is not refunded. Apply before replacement title registration.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Availability

Open for eligible contract window

Support

$50,000, or the consideration actually paid if lower, for eligible first-home buyers buying or building a new home under the current contract window.

Property-value cap

No property-price cap

First-home requirement

Eligible first-home buyers under the applicant and spouse ownership/prior-grant tests.

Owner-occupancy

At least one applicant must occupy for 12 continuous months starting within 12 months of completion of the eligible transaction.

Residency / citizenship

Natural persons; at least one applicant aged 18 or over and at least one Australian citizen or permanent resident.

Eligible property

Eligible new home, off-the-plan or construction transaction.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Cannot be combined with FreshStart. Other assistance must independently satisfy its own rules.

Effective period

2024-10-01 to 2027-09-30; check the contract, application or settlement conditions above

Lodge the application and supporting documents within 12 months of transaction completion. The program page gives a final application cutoff of 30 September 2028. Replacement contracts for pre-1 October 2024 transactions do not qualify. Applicant/spouse prior ownership, prior grants and owner-builder conditions apply.

Review: 25 October 2026. Current $50,000 new-home contract window and application deadline

Supporting official source 1 ↗

Availability

Open for eligible contract window

Support

Duty exemption for eligible house-and-land package transactions within the current contract window.

Property-value cap

No value limit stated in the published exemption criteria

First-home requirement

Not restricted to first-home buyers; qualifying repeat buyers may apply.

Owner-occupancy

At least one applicant must occupy for six continuous months starting within 12 months of taking possession; possession must occur within 12 months of settlement.

Residency / citizenship

All applicants natural persons in their own right; at least one aged 18 or over and at least one Australian citizen or permanent resident.

Eligible property

New home and land acquired as a qualifying single transaction, including expressly interdependent contracts, with required contractor/developer duty history.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2022-07-01 to 2027-06-30; check the contract, application or settlement conditions above

Purchasers must acquire the entire beneficial interest. Qualifying transaction structure and the contractor’s duty-paid land acquisition must be verified. Do not require a generic first-home grant or first-ever-buyer flag.

Review: 25 October 2026. Eligible house-and-land transaction structure, contract window and independent repeat-buyer eligibility

Supporting official source 1 ↗

Availability

Open / lending assessment

Support

Government loan up to 17.5% alongside an approved financier loan of 80% and buyer deposit of 2.5%; no lenders mortgage insurance. This is a loan, not shared equity.

Minimum deposit

2.5%

Income limit

No income or asset limit for the Low Deposit Loan; lender serviceability assessment applies.

Property-value cap

$475,000 for one or two bedrooms; $550,000 for three or more bedrooms.

First-home requirement

Not limited to first-home buyers; no existing HomeBuild Access loan.

Owner-occupancy

Use as principal residence for at least three years.

Residency / citizenship

Australian citizen or permanent resident, or apply jointly with a spouse who meets that condition.

Eligible property

Eligible new home or land plus construction using an NT licensed builder.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Current program page links the HomeBuild Access guide. Employment, rental/repayment history and fixed-price building contract checks apply; up to 30-year term. Lending approval is not automatic.

Review: 25 October 2026. Current low-deposit loan structure and linked official guide limits

Supporting official source 1 ↗

Availability

Open / lending assessment

Support

Subsidised variable interest for five years, then the guide’s standard variable reference applies; loan term up to 35 years. Up to $10,000 interest-free fee assistance repayable over 15 years may be available.

Minimum deposit

2%

Income limit

Gross household limits by people: 1 $80,000; 2 $97,500; 3 $105,000; 4 $112,500; 5 $120,000; 6+ $127,500.

Property-value cap

$475,000 for one or two bedrooms; $550,000 for three or more bedrooms.

First-home requirement

First-home buyer unable to access suitable finance through other options.

Owner-occupancy

Use as principal residence for at least three years.

Residency / citizenship

Australian citizen or permanent resident, or apply jointly with a spouse who meets that condition.

Eligible property

Eligible new home or land plus construction using an NT licensed builder.

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Financial assets limits by household size: one person $60,029; two $85,735; three or more $135,855. No lenders mortgage insurance. Rates and serviceability must be confirmed with the official administrator; do not present an interest rate as fixed for the whole term.

Review: 25 October 2026. Current subsidised loan deposit, caps and subsidy duration from linked official guide

Supporting official source 1 ↗

Availability

Historical / superseded

Support

Historical new-home FHOG: $10,000, or consideration actually paid if lower, for transactions commencing 7 May 2019–30 September 2024.

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Effective period

2019-05-07 to 2024-09-30; check the contract, application or settlement conditions above

Historical only. The 18 December 2025 official guide confirms the former amount and dates. Current established-home applications use a distinct historical contract window.

Review: 25 October 2026. Historical $10,000 new-home grant amount and exact final window verified in current official guide

Availability

Closed: applications ended 14 April 2021

Support

See official program source

First-home requirement

Varies — confirm with authority

Owner-occupancy

Usually owner-occupied; confirm with authority

Residency / citizenship

Varies — confirm with authority

Eligible property

Varies by program

Target audience

First-home buyers and/or the targeted group named by the program

Combining with other assistance

Combination rules require official confirmation.

Historical only; no new assistance should be added to a current buyer estimate.

Review: 25 October 2026. Official Budget 2021–22 confirms applications closed 14 April 2021

Availability

Open; official assessment required

Support

A $30,000 grant for eligible non-first-home buyers purchasing or building a new home under contracts from 1 October 2024 through 30 September 2027.

Property-value cap

No property-price cap

First-home requirement

For eligible home buyers who are not first-home buyers.

Owner-occupancy

Occupy as principal home for at least 12 continuous months under the grant’s possession/completion rules.

Residency / citizenship

Natural persons; at least one applicant aged 18 or over and at least one Australian citizen or permanent resident.

Eligible property

Eligible new home, transportable home, off-the-plan purchase or owner-builder transaction.

Target audience

Eligible applicants under the specific program

Combining with other assistance

Cannot be combined with HomeGrown. Other schemes must independently satisfy their own conditions.

Effective period

2024-10-01 to 2027-09-30; check the contract, application or settlement conditions above

Applications are due by 31 December 2027. Existing homes and additional residences/granny flats generally do not qualify. Contract replacement, completion and owner-builder commencement rules must be checked.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Availability

Closed to new contracts; applications for qualifying historical contracts remain open within the deadline

Support

Eligible first-home buyers with established-home contracts dated 1 October 2024–30 September 2025 may receive $10,000; applications remain open within 12 months of settlement.

Property-value cap

No property-price cap

First-home requirement

First-home buyer and spouse ownership/prior-grant tests apply.

Owner-occupancy

At least one applicant must occupy for 12 continuous months starting within 12 months of completion.

Residency / citizenship

Natural persons; at least one applicant aged 18 or over and at least one Australian citizen or permanent resident.

Eligible property

Established houses, townhouses and apartments in the NT.

Target audience

Eligible applicants under the specific program

Combining with other assistance

Cannot be combined with FreshStart.

Effective period

2024-10-01 to 2025-09-30; check the contract, application or settlement conditions above

Contract must not replace a transaction signed before 1 October 2024. All relevant owners must apply. Amount is the lesser of $10,000 and consideration actually paid. Lodge supporting documents within 12 months of transaction completion.

Review: 25 October 2026. Core program terms, conditions and availability; not a personalised eligibility determination

Supporting official source 1 ↗