First home buyer grants in New South Wales

Every grant, scheme, and stamp duty saving available to you in New South Wales — updated for 2026.

New South Wales State Grants

First Home Owner Grant (NSW) $10,000

A $10,000 grant for buying or building a new home in NSW.

Property must be under $600,000

For: new 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 New South Wales

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You could save up to

$182,530

in grants and stamp duty savings

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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

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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.

See also: Stamp duty rates for New South Wales