Find out what you qualify for as a first home buyer

Enter a few details and instantly see every grant, stamp duty saving, and scheme available to you — across all Australian states.

1
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State, income, savings, and property type — takes 30 seconds.

2
See your results

Grants, stamp duty savings, borrowing power, and upfront costs — all free.

3
Get your action plan

Download a free snapshot or get the full step-by-step plan for $29.

Your details

Answer 5 quick questions and we'll show you everything you qualify for.

$
$
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You could save up to

$182,530

in grants and stamp duty savings

Get your free report

Personalised PDF with your grants, borrowing power, and savings — free, no sign-up.

Want the full action plan with step-by-step guidance? $29 one-time — see below.

Grants and schemes you qualify for

EligibleHelp to Buy (Shared Equity)
$150,000

Government buys 30% of your home ($150,000). You only need a 2% deposit ($10,000).

EligibleFirst Home Super Saver Scheme (FHSS)
$8,750

Save up to $8,750 in tax by putting money into your super before withdrawing it for a deposit.

EligibleFirst Home Guarantee (5% Deposit Scheme)
$6,750

Buy with 5% deposit. You avoid ~$6,750 in Lenders Mortgage Insurance.

Choose one: You can't use both the 5% Deposit Scheme and Help to Buy. Compare them in your personalised action plan to see which saves you more.
2 schemes you don't qualify for
Not eligibleFamily Home Guarantee (Single Parents)

Requires at least 1 dependent child.

Not eligibleFirst Home Owner Grant (NSW)

Only for new properties.

Stamp duty

Standard stamp duty$17,030
As a first home buyer, you pay$0
You save$17,030

No stamp duty on properties up to $800K. Sliding concession from $800K to $1M.

What you'll pay upfront

These are the costs on top of your deposit.

Stamp duty (after savings)$0
Lenders Mortgage Insurance (LMI)$0
Conveyancer / solicitor$2,000
Building & pest inspection$650
Loan & registration fees$650
Total upfront costs$3,300

Your personalised action plan

1. Start salary sacrificing to your super under FHSS

You could save up to $8,750 in tax by making voluntary contributions to your super. Contact your employer or super fund to set up salary sacrifice. You can contribute up to $15,000 per year (max $50,000 total).

2. Choose between 5% Deposit Scheme and Help to Buy

You're eligible for both, but can only use one. The 5% Deposit Scheme lets you keep 100% ownership. Help to Buy means smaller repayments but the government owns 30%. Compare the what-if scenarios on the next page.

3. Get pre-approval from 2-3 lenders

Based on your income, you could borrow up to approximately $510,000. Get pre-approval from multiple lenders to compare rates and find the best deal.

6 personalised steps for your situation

How much you could borrow

Rough estimate based on income. Your actual amount depends on the lender.

Estimated max loan

$510,000

Monthly repayment (est.)$3,224/mo
If rates rise 2%$3,921/mo

Want your complete action plan?

Get a personalised PDF with everything you need to take the next step.

FeatureFree SnapshotFull Plan ($29)
Grants you qualify for✓✓
Borrowing power estimate✓✓
Detailed upfront costs breakdown—✓
Step-by-step action plan—✓
"What if" scenarios—✓
Scheme comparison (which to pick)—✓
Printable PDF for your broker—✓

One-time purchase. Instant download. Not financial advice.

Browse by state

New South Wales Victoria Queensland Western Australia South Australia Tasmania Australian Capital Territory Northern Territory
FHSS Scheme Guide

Frequently asked questions

+ What grants are available for first home buyers in Australia?

Every state offers different grants. Common ones include the First Home Owner Grant (FHOG) — typically $10,000-$30,000 for new builds — stamp duty exemptions, and federal schemes like the First Home Guarantee (5% deposit scheme) and Help to Buy. Use our calculator above to see exactly what you qualify for.

+ How much deposit do I need to buy my first home?

Traditionally you need 20% to avoid Lenders Mortgage Insurance (LMI). But with the First Home Guarantee, you can buy with just 5% deposit and no LMI. Help to Buy requires only 2%. Our calculator shows your borrowing power and deposit timeline.

+ What is the First Home Guarantee (5% deposit scheme)?

The First Home Guarantee lets eligible first home buyers purchase with a 5% deposit without paying LMI. The government guarantees the remaining 15%. There are 35,000 places per year. Price caps vary by state — for example, $900,000 in Sydney and $800,000 in Melbourne.

+ How much stamp duty do first home buyers pay?

It depends on your state and property price. Many states offer full stamp duty exemptions for first home buyers under certain price thresholds. For example, NSW exempts properties under $800,000, and VIC exempts under $600,000. Check our stamp duty pages for your state.

+ What is the First Home Super Saver Scheme (FHSS)?

The FHSS lets you save for a deposit through your super. You make voluntary contributions (up to $15,000/year, $50,000 total) which are taxed at 15% instead of your marginal rate. This can save you $7,000-$17,000 in tax depending on your income.

+ Can I use multiple grants and schemes together?

Yes! Most schemes can be stacked. For example, you can use the FHSS for your deposit, the First Home Guarantee to avoid LMI, claim the FHOG, and get a stamp duty exemption — all at the same time. Our calculator shows you every scheme you're eligible for.