When you’re buying your first home there are lots to consider – from home loans, stamp duty, inspections and conveyancers, it can get very expensive and confusing.  Thankfully, there are several grants and reductions to eligible first home buyers, all of which will give you a major upper hand. Here, we decided to go through each state and how they each contribute to helping you own your own home sooner – so that when you’re ready to buy and the time is right you’re ready to go.

What is the First Home Owners’ Grant?

The First Home Owner’s Grant (FHOG) scheme was brought in on July 1 2000 to help offset the effect of GST on home ownership. As a national scheme, it is funded by the states and territories individually and then administered under their own legislation. In short, under the FHOG scheme, you could be eligible for a one-off grant that is payable to first home owners only – you can check your eligibility here. OR, check out our handy breakdown state-by-state.

Am I eligible for the First Home Owner Grant (FHOG)?

This will depend on what state or territory you wish to buy a property in, how much you plan to spend and if you already own any property. Each state has their own conditions which you can find here, but some eligibility requirements remain the same. To be eligible you must: 
  • Be 18 years or older 
  • Permanent resident or Australian citizen 
  • Plan to live in the property as your home for AT LEAST six months 
  • Have never previously owned a home in Australia (if you’re entering a joint home loan with someone who has previously claimed FHOG, you may not be eligible again. 

How much is the FHOG?

As mentioned above, the amount of the FHOG varies across the states and territories. Learn about Stamp Duty to get an indication of the fees, grants or concessions in your state. Understanding what your FHOG entitlements are is just one piece of the puzzle! Understanding just how to use them with special focus on when and where you use them is key to using them successfully. Have you watched our FREE ADF Property Training? Check it out or send us a message to have your property questions answered!  

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In their own words, 𝘈𝘹𝘰𝘯 𝘤𝘢𝘯 𝘩𝘦𝘭𝘱 𝘶𝘴 𝘣𝘺 𝘦𝘹𝘱𝘢𝘯𝘥𝘪𝘯𝘨 𝘰𝘯 𝘰𝘶𝘳 𝘰𝘸𝘯 𝘳𝘦𝘴𝘦𝘢𝘳𝘤𝘩 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘵𝘩𝘦𝘪𝘳 𝘺𝘦𝘢𝘳𝘴 𝘰𝘧 𝘬𝘯𝘰𝘸𝘭𝘦𝘥𝘨𝘦 𝘢𝘯𝘥 𝘦𝘹𝘱𝘦𝘳𝘪𝘦𝘯𝘤𝘦𝘴 𝘳𝘦𝘨𝘢𝘳𝘥𝘪𝘯𝘨 𝘱𝘳𝘰𝘱𝘦𝘳𝘵𝘺 𝘣𝘶𝘺𝘪𝘯𝘨/𝘪𝘯𝘷𝘦𝘴𝘵𝘪𝘯𝘨, 𝘱𝘢𝘳𝘵𝘪𝘤𝘶𝘭𝘢𝘳𝘭𝘺 𝘳𝘦𝘭𝘢𝘵𝘪𝘯𝘨 𝘵𝘰 𝘈𝘋𝘍 𝘦𝘯𝘵𝘪𝘵𝘭𝘦𝘮𝘦𝘯𝘵𝘴. Yep, that sums up what we specialise in!

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