First Home Buyer Hub

First Home Buyer Incentives

Learn everything you need to know about buying your first home, from saving for a deposit to finding the right property.

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First Home Owner Grant

The First Home Owner Grant (FHOG) is a one-off payment designed to help first home buyers get started. While the basic criteria are similar across all states and territories, the amount and property requirements can vary depending on where you live.

Stamp Duty Exemptions

Stamp duty, also known as transfer duty, is a state tax payable when you buy a property. However, as a first home buyer, you may be eligible for stamp duty exemptions or concessions, which can significantly reduce or eliminate this cost.

Home Guarantee Scheme

The Home Guarantee Scheme is a federal government scheme that offers several initiatives to help first-time buyers and specific groups enter the property market with a lower deposit.

Insights

Explore our blogs for tips, advice and insights on all things home buying — from saving for a deposit to navigating the loan process.

FAQs

Got questions? We’ve got answers. Take a look at our Frequently Asked Questions to get quick and clear information on everything you need to know about the home loan process.

A family guarantee involves a family member, usually a parent, offering their property as additional security for your loan. This can help you secure a loan with a smaller deposit, avoid Lenders Mortgage Insurance (LMI) and enter the property market sooner.
You can exit a family guarantee by refinancing your home loan once you’ve built up enough equity, typically when your loan-to-value ratio (LVR) drops below 80%. This releases your guarantor from their obligations.
Borrowing power is the maximum amount a lender will loan you based on your financial situation. You can increase it by reducing debts, saving a larger deposit, improving your credit score and increasing your income.

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FAQs

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