First home buyer grants in Australian Capital Territory

Every grant, scheme, and stamp duty saving available to you in Australian Capital Territory — updated for 2026.

Australian Capital Territory State Grants

Home Buyer Concession Scheme (ACT) $35,238

Stamp duty exemption for first home buyers purchasing a property under $1,020,000 in the ACT. Income-tested.

Property must be under $1,020,000

For: new, existing, land properties

Federal Schemes (available everywhere)

First Home Guarantee (5% Deposit Scheme)

Buy with just a 5% deposit. The government guarantees the rest up to 20%, so you skip Lenders Mortgage Insurance.

Help to Buy (Shared Equity)

The government buys part of your home with you — up to 40% for new homes or 30% for existing. You only need a 2% deposit.

Family Home Guarantee (Single Parents)

Single parents can buy with just a 2% deposit and no Lenders Mortgage Insurance. You don't need to be a first home buyer.

First Home Super Saver Scheme (FHSS)

Put extra money into your super and withdraw it for a home deposit. You pay less tax on these contributions — could save you $7,000-$17,000.

Check what you qualify for in Australian Capital Territory

Your details

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

Which state or territory are you buying in?

Are you buying with a partner?

Annual pre-tax income (before tax)

How much have you saved so far? (cash savings — not including FHSS)

Have you saved anything in FHSS? (First Home Super Saver Scheme — $0 if none)

What type of property are you looking at?

You could save up to

$210,018

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).

EligibleHome Buyer Concession Scheme (ACT)

$35,238

Stamp duty exemption for first home buyers purchasing a property under $1,020,000 in the ACT. Income-tested.

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.

1 scheme you don't qualify for

Not eligibleFamily Home Guarantee (Single Parents)

Requires at least 1 dependent child.

Stamp duty

Standard stamp duty$9,280

As a first home buyer, you pay$0

You save$9,280

Home Buyer Concession: No stamp duty on properties up to $1,020,000 (income-tested). Max concession $35,238.

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.

Feature	Free Snapshot	Full 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.