VERIFIED NATIONAL GOVERNMENT SCHEMES DATA

Australian home-buyer schemes, grants and assistance — all states and territories.

Explore federal, state and territory grants, duty concessions, low-deposit programs, shared equity, government loans, super assistance and targeted home-ownership pathways in one national research hub.

Choose your state or territory Open the Scheme Calculator

79 governed programsAll 8 states and territories + federalOfficial-source linksRules 2026-08-26.1

This is a national research and comparison page — not an eligibility or approval determination.

Programs marked “Calculated in Scheme Calculator” can be modelled from public rules when the entered checks support it. Programs marked “Official check required” are deliberately not converted into a dollar benefit where public rules are not sufficient for a safe calculation.

Choose a jurisdiction

Start with where you are buying

Federal programs can apply nationally. State and territory assistance then changes according to property location, contract date, buyer profile and the type of home.

National scheme explorer

Find programs that may matter to your purchase

The explorer starts with current programs. Switch to historical records when checking an older contract or an existing participant arrangement.

Australian GovernmentGuarantee

Current

Australian Government 5% Deposit Scheme — First Home Buyers

Housing Australia / participating lenders

A federal guarantee pathway for eligible first-home buyers purchasing through a participating lender.

What it can provideGovernment guarantee can support an eligible purchase with a minimum 5% deposit and may avoid LMI.

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
Support: Government guarantee can support an eligible purchase with a minimum 5% deposit and may avoid LMI.
Minimum deposit: 5% saved deposit
Income limit: No current scheme income cap
First-home requirement: First-home buyer, or no Australian property/land ownership in the prior 10 years
Owner-occupancy: Yes
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian GovernmentGuarantee

Current

Australian Government 5% Deposit Scheme — Single Parents and Legal Guardians (2%)

Housing Australia / participating lenders

Australian Government 5% Deposit Scheme — Single Parents and Legal Guardians (2%) is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

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

Calculated in Scheme Calculator

Eligibility, limits and interaction details

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: 2% saved deposit
Income limit: No current scheme income cap
First-home requirement: Varies — confirm with authority
Owner-occupancy: Yes
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian GovernmentShared equity

Current

Australian Government Help to Buy

Housing Australia / participating lenders

Australian Government Help to Buy is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideGovernment shared-equity contribution up to 40% for an eligible new home or 30% for an eligible existing home.

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
Support: Government shared-equity contribution up to 40% for an eligible new home or 30% for an eligible existing home.
Minimum deposit: 2%
Income limit: FY2026: $103,000 individual; $165,000 joint applicants or eligible single parent
First-home requirement: Varies — confirm with authority
Owner-occupancy: Yes
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian GovernmentTax and superannuation

Current

First Home Super Saver Scheme

Australian Taxation Office

First Home Super Saver Scheme is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideEligible voluntary super contributions can be released up to the current FHSS limit, plus associated earnings, subject to ATO rules.

Official check required

Eligibility, limits and interaction details

Availability: Open
Support: Eligible voluntary super contributions can be released up to the current FHSS limit, plus associated earnings, subject to ATO rules.
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian GovernmentFirst Nations home loan

Current

Indigenous Home Ownership Program

Indigenous Business Australia

Indigenous Home Ownership Program is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideHome-loan and home-ownership support for eligible Aboriginal and Torres Strait Islander applicants.

Official check required

Eligibility, limits and interaction details

Availability: Open / assessment required
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian GovernmentDefence subsidy

Current

Defence Home Ownership Assistance Scheme

Department of Defence / DHOAS

Defence Home Ownership Assistance Scheme is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideMonthly home-loan interest subsidy for eligible current and former ADF members.

Official check required

Eligibility, limits and interaction details

Availability: Open / service eligibility
Support: Monthly home-loan interest subsidy for eligible current and former ADF members.
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian GovernmentGuarantee

Current

Regional First Home Buyer Guarantee

Responsible government authority or government lender

Regional First Home Buyer Guarantee is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

Availability: Historical — absorbed into expanded scheme
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian GovernmentGuarantee

Current

Family Home Guarantee

Responsible government authority or government lender

Family Home Guarantee is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

Availability: Historical — replaced by 2% stream
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

New South WalesTransfer duty

Current

First Home Buyers Assistance Scheme

Revenue NSW

First Home Buyers Assistance Scheme is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

New South WalesGrant

Current

First Home Owner Grant (New Homes)

Revenue NSW

First Home Owner Grant (New Homes) is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

New South WalesShared equity

Historical / closed

Shared Equity Home Buyer Helper

NSW Government

Shared Equity Home Buyer Helper is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

Availability: Closed to new applications
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

New South WalesFirst Nations home ownership

Current

Aboriginal Housing Office Home Ownership Program

Responsible government authority or government lender

Aboriginal Housing Office Home Ownership Program is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Official check required
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

New South WalesFirst Nations rent to buy

Current

Aboriginal Housing Office Rent to Buy pathway

Responsible government authority or government lender

Aboriginal Housing Office Rent to Buy pathway is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Official check required
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

New South WalesPublic housing tenant purchase

Current

Social housing tenant purchase pathway

Responsible government authority or government lender

Social housing tenant purchase pathway is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Limited / property specific
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

New South WalesTargeted purchase assistance

Current

Home Purchase Assistance Fund

Responsible government authority or government lender

Home Purchase Assistance Fund is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

Availability: Historical / program-specific
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

New South WalesGrant and duty

Historical / closed

First Home Owner Plus

Responsible government authority or government lender

First Home Owner Plus is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

New South WalesRegional grant

Historical / closed

Regional Relocation Home Buyers Grant

Responsible government authority or government lender

Regional Relocation Home Buyers Grant is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

VictoriaGrant

Current

First Home Owner Grant

State Revenue Office Victoria

First Home Owner Grant is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

VictoriaTransfer duty

Current

First Home Buyer Duty Exemption or Concession

State Revenue Office Victoria

First Home Buyer Duty Exemption or Concession is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

VictoriaTransfer duty

Current

Temporary Off-the-Plan Duty Concession

State Revenue Office Victoria

Temporary Off-the-Plan Duty Concession is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideEligible off-the-plan buyers may receive a duty concession based on construction costs after the contract date. Exact duty requires official calculation.

Official check required

Eligibility, limits and interaction details

Availability: Open to eligible contracts until April 2027
Support: Eligible off-the-plan buyers may receive a duty concession based on construction costs after the contract date. Exact duty requires official calculation.
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
Effective period: Until 2027-04
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

VictoriaTransfer duty

Current

Principal Place of Residence Duty Concession

Responsible government authority or government lender

Principal Place of Residence Duty Concession is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

VictoriaPensioner duty

Current

Pensioner Duty Exemption or Concession

Responsible government authority or government lender

Pensioner Duty Exemption or Concession is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

VictoriaShared equity

Historical / closed

Victorian Homebuyer Fund

State Revenue Office Victoria

Victorian Homebuyer Fund is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

VictoriaShared equity

Historical / closed

Victorian Homebuyer Fund — Aboriginal and Torres Strait Islander pathway

State Revenue Office Victoria

Victorian Homebuyer Fund — Aboriginal and Torres Strait Islander pathway is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

VictoriaShared equity

Historical / closed

HomesVic Shared Equity Initiative

Responsible government authority or government lender

HomesVic Shared Equity Initiative is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

VictoriaGrant

Historical / closed

Regional First Home Owner Grant boost

Responsible government authority or government lender

Regional First Home Owner Grant boost is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

VictoriaConstruction grant

Historical / closed

HomeBuilder Grant — Victoria administration

Responsible government authority or government lender

HomeBuilder Grant — Victoria administration is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

QueenslandGrant

Current

First Home Owner Grant

Queensland Revenue Office

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

QueenslandTransfer duty

Current

First Home Concession — Established Home

Queensland Revenue Office

First Home Concession — Established Home is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

QueenslandTransfer duty

Current

First Home Concession — New Home

Queensland Revenue Office

First Home Concession — New Home is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

QueenslandTransfer duty

Current

First Home Concession — Vacant Land

Queensland Revenue Office

First Home Concession — Vacant Land is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

QueenslandShared equity

Current

Boost to Buy

Queensland Treasury / approved lenders

Boost to Buy is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

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

Official check required

Eligibility, limits and interaction details

Availability: Limited places / approved lender assessment
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%
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

QueenslandLow-deposit government loan

Current

Queensland Housing Finance Loan

Homes for Queenslanders

Queensland Housing Finance Loan is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open / assessment required
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

QueenslandPublic housing shared equity

Current

Pathways Shared Equity Loan

Responsible government authority or government lender

Pathways Shared Equity Loan is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Limited / targeted
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

QueenslandFirst Nations home ownership

Current

First Nations home ownership assistance

Responsible government authority or government lender

First Nations home ownership assistance is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Official check required
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

QueenslandConstruction grant

Historical / closed

Regional Home Building Boost Grant

Responsible government authority or government lender

Regional Home Building Boost Grant is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

South AustraliaGrant

Current

First Home Owner Grant

RevenueSA

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

South AustraliaTransfer duty

Current

First Home Buyer Relief — New Home

RevenueSA

First Home Buyer Relief — New Home is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

South AustraliaTransfer duty

Current

First Home Buyer Relief — Vacant Land

RevenueSA

First Home Buyer Relief — Vacant Land is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

South AustraliaLow-deposit loan

Current

HomeStart Low Deposit Loan

HomeStart Finance

HomeStart Low Deposit Loan is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open / lending assessment
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

South AustraliaShared equity

Current

HomeStart Shared Equity Option

HomeStart Finance

HomeStart Shared Equity Option is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideHomeStart may contribute a shared-equity amount generally within its current product range; lender assessment and product terms apply.

Official check required

Eligibility, limits and interaction details

Availability: Open / lending assessment
Support: HomeStart may contribute a shared-equity amount generally within its current product range; lender assessment and product terms apply.
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

South AustraliaInterest-free secondary loan

Current

HomeStart Starter Loan

HomeStart Finance

HomeStart Starter Loan is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideInterest-free secondary loan of up to the current HomeStart Starter Loan limit for eligible upfront purchase costs.

Official check required

Eligibility, limits and interaction details

Availability: Open / lending assessment
Support: Interest-free secondary loan of up to the current HomeStart Starter Loan limit for eligible upfront purchase costs.
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

South AustraliaGraduate home loan

Current

HomeStart Graduate Loan

HomeStart Finance

HomeStart Graduate Loan is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open / lending assessment
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

South AustraliaFirst Nations home loan

Current

HomeStart Nunga Loan

HomeStart Finance

HomeStart Nunga Loan is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open / lending assessment
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

South AustraliaAffordable property purchase

Current

HomeSeeker SA Affordable Homes

Government of South Australia

HomeSeeker SA Affordable Homes is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Property-release dependent
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

South AustraliaShared equity

Current

HomeStart EquityStart

HomeStart Finance

HomeStart EquityStart is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Program availability check required
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

South AustraliaConstruction grant

Historical / closed

HomeBuilder Grant — South Australia administration

Responsible government authority or government lender

HomeBuilder Grant — South Australia administration is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Western AustraliaGrant

Current

First Home Owner Grant

RevenueWA

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
Support: See official program source
Property price cap: For eligible transactions from 7 May 2026, the southern cap is $800,000; other regional cap rules apply.
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Western AustraliaTransfer duty

Current

First Home Owner Rate of Duty

RevenueWA

First Home Owner Rate of Duty is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideFor eligible transactions from 7 May 2026: no duty on homes up to $600,000 and concession to $800,000; no duty on vacant land up to $450,000 and concession to $550,000.

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
Support: For eligible transactions from 7 May 2026: no duty on homes up to $600,000 and concession to $800,000; no duty on vacant land up to $450,000 and concession to $550,000.
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Western AustraliaLow-deposit loan

Current

Keystart Low Deposit Home Loan

Keystart

Keystart Low Deposit Home Loan is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open / lending assessment
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Western AustraliaShared equity

Current

Keystart Shared Ownership Home Loan

Keystart

Keystart Shared Ownership Home Loan is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open / property and lending assessment
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Western AustraliaFirst Nations home loan

Current

Keystart Aboriginal Home Loan

Keystart

Keystart Aboriginal Home Loan is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open / lending assessment
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Western AustraliaDisability home loan

Current

Keystart Access Home Loan

Keystart

Keystart Access Home Loan is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open / lending assessment
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Western AustraliaApartment home loan

Current

Keystart Urban Connect Home Loan

Keystart

Keystart Urban Connect Home Loan is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open / eligible developments
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Western AustraliaExpense reimbursement grant

Current

Home Buyers Assistance Account

Consumer Protection WA

Home Buyers Assistance Account is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideReimbursement of eligible incidental purchase expenses up to the current program maximum (commonly up to $2,000), subject to funding and eligibility.

Official check required

Eligibility, limits and interaction details

Availability: Open subject to funding and eligibility
Support: Reimbursement of eligible incidental purchase expenses up to the current program maximum (commonly up to $2,000), subject to funding and eligibility.
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Western AustraliaTransfer duty

Current

Off-the-Plan Duty Concession

RevenueWA

Off-the-Plan Duty Concession is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open to eligible transactions
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Western AustraliaShared equity

Current

Opening Doors Shared Home Ownership

Responsible government authority or government lender

Opening Doors Shared Home Ownership is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Property availability dependent
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Western AustraliaGrant

Historical / closed

First Home Owner Grant boost

Responsible government authority or government lender

First Home Owner Grant boost is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Western AustraliaConstruction grant

Historical / closed

HomeBuilder Grant — Western Australia administration

Responsible government authority or government lender

HomeBuilder Grant — Western Australia administration is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

TasmaniaGrant

Current

First Home Owner Grant

State Revenue Office Tasmania

What it can provideCurrent grant amount and contract window are assessed by the dated calculator rules; the 2026–27 setting is included.

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
Support: Current grant amount and contract window are assessed by the dated calculator rules; the 2026–27 setting is included.
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

TasmaniaTransfer duty

Current

First Home Buyer Duty Concession — Established Homes

State Revenue Office Tasmania

First Home Buyer Duty Concession — Established Homes is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Date-limited / verify current contract window
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

TasmaniaShared equity

Current

MyHome Shared Equity Program

Homes Tasmania / participating lender

MyHome Shared Equity Program is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideShared-equity assistance under the current MyHome product terms, generally with a low minimum deposit and funding/property limits.

Official check required

Eligibility, limits and interaction details

Availability: Open subject to funding and lender assessment
Support: Shared-equity assistance under the current MyHome product terms, generally with a low minimum deposit and funding/property 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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

TasmaniaLow-income purchase assistance

Current

Streets Ahead Incentive Program

Homes Tasmania

Streets Ahead Incentive Program is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Official check required
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

TasmaniaShared equity

Historical / closed

HomeShare

Responsible government authority or government lender

HomeShare is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

Availability: Historical predecessor
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

TasmaniaGrant

Historical / closed

First Home Owner Grant boost

Responsible government authority or government lender

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

TasmaniaConstruction grant

Historical / closed

HomeBuilder Grant — Tasmania administration

Responsible government authority or government lender

HomeBuilder Grant — Tasmania administration is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian Capital TerritoryTransfer duty

Current

Home Buyer Concession Scheme

ACT Revenue Office

Home Buyer Concession Scheme is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian Capital TerritoryLand rent

Current

Land Rent Scheme

ACT Government

Land Rent Scheme is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open / ballot and land availability
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian Capital TerritoryAffordable property purchase

Current

Affordable Home Purchase Scheme

ACT Government

Affordable Home Purchase Scheme is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Property-release dependent
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian Capital TerritoryPensioner duty

Current

Pensioner Duty Concession Scheme

Responsible government authority or government lender

Pensioner Duty Concession Scheme is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian Capital TerritoryDisability duty

Current

Disability Duty Concession Scheme

Responsible government authority or government lender

Disability Duty Concession Scheme is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Official check required
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian Capital TerritoryTransfer duty

Current

Off-the-Plan Unit Duty Concession

Responsible government authority or government lender

Off-the-Plan Unit Duty Concession is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Contract-window dependent
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Australian Capital TerritoryGrant

Historical / closed

First Home Owner Grant — ACT

Responsible government authority or government lender

First Home Owner Grant — ACT is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Northern TerritoryGrant

Current

HomeGrown Territory Grant

Northern Territory Government

HomeGrown Territory Grant is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provide$50,000 grant for eligible first-home buyers buying or building a new home under the current contract window.

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open for eligible contract window
Support: $50,000 grant for eligible first-home buyers buying or building a new home under the current contract 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
Effective period: Until 2027-09-30
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Northern TerritoryTransfer duty

Current

House and Land Package Stamp Duty Exemption

Northern Territory Government

House and Land Package Stamp Duty Exemption is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideDuty exemption for eligible house-and-land package transactions within the current contract window.

Calculated in Scheme Calculator

Eligibility, limits and interaction details

Availability: Open for eligible contract window
Support: Duty exemption for eligible house-and-land package transactions within the current contract 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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Northern TerritoryLow-deposit loan

Current

HomeBuild Access — Low Deposit Loan

Northern Territory Government / approved lender

HomeBuild Access — Low Deposit Loan is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open / lending assessment
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Northern TerritorySubsidised loan

Current

HomeBuild Access — Subsidised Interest Loan

Northern Territory Government / approved lender

HomeBuild Access — Subsidised Interest Loan is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Official check required

Eligibility, limits and interaction details

Availability: Open / lending assessment
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Northern TerritoryGrant

Historical / closed

First Home Owner Grant — former settings

Responsible government authority or government lender

First Home Owner Grant — former settings is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

Availability: Historical / superseded
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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Northern TerritoryConstruction grant

Historical / closed

BuildBonus Grant

Responsible government authority or government lender

BuildBonus Grant is included in the national assistance register. The calculator either calculates the pathway or identifies it for an official check, depending on whether the public rules can be applied safely.

What it can provideSee official program source

Historical / existing participants only

Eligibility, limits and interaction details

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
Effective period: Current rules / authority confirmation
Combining with other assistance: Combination rules require official confirmation.

Fail closed: no benefit is assumed unless the entered checks and coded rules support it.

Official program information ↗Check in calculator →

Research + calculation

Use this page to understand the programs, then calculate the purchase

The research hub explains what each program does, who it is aimed at and where official confirmation is needed. The Scheme Calculator then applies the coded pathways to the property, deposit, loan and flow of funds.

National Scheme CalculatorCheck schemes and flow of funds →First-Home Buyer GuideUnderstand the buying process →Deposit GuideCompare deposit sources →Buyer ChecklistPrepare documents and steps →

National data method

One governed register behind the research page and calculator

National scope

Federal plus every state and territory, including mainstream and targeted government assistance.

Official sources

Every record contains a responsible authority and official program source for current confirmation.

Effective dates

Time-limited concessions and historical pathways are retained so older transactions are not confused with current rules.

Fail-safe calculation

Where a program cannot be calculated reliably from public rules, the calculator requires an official check rather than inventing a dollar benefit.

Common questions

How to use the national scheme information

Does this include the whole of Australia?

Yes. The governed register covers Australian Government programs plus New South Wales, Victoria, Queensland, South Australia, Western Australia, Tasmania, the Australian Capital Territory and the Northern Territory.

Does this mean every buyer can access every listed program?

No. Some programs are targeted by buyer type, location, property type, service history, housing-tenure status, income, funding availability or participating lender. The page explains the pathway but does not guarantee eligibility or availability.

Why are closed programs still shown?

Historical records help buyers, brokers and researchers understand older contracts, existing participant arrangements and schemes that were replaced by newer programs. They are clearly separated from current assistance.

Can I add every grant, concession and shared-equity program together?

No. Combination rules vary. The calculator only applies a benefit where its coded checks support it, and the research page links to the official authority for final confirmation.

Are local council rebates and private developer incentives included?

No. The national governed scope covers federal, state and territory government home-purchase assistance. Highly local council rebates and private developer promotions are excluded because they can change frequently and are not part of the national/state scheme register.

Scheme and purchase-cost enquiry

Have a national scheme result checked properly

Tell Rate Challenge which program, property or deposit pathway you are considering. A broker can help structure the finance, while final scheme and duty eligibility remains subject to the responsible authority, lender and conveyancer.

Call 0407 908 024 admin@ratechallenge.com.au

Full name *

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Email *

Postcode *

Program of interest

What would you like to understand?

From research to purchase plan

See which assistance pathways change your actual cash requirement.

The national Scheme Calculator brings the eligible coded pathways into one flow of funds so the deposit, grant, duty, government equity, loan and settlement cash are easier to understand.

Open the National Scheme Calculator Browse all schemes