List of first home buyer grants in 2025

Getting on the property ladder is challenging, but it might be easier than you think thanks to a range of first home buyer assistance measures.

The federal government offers the First Home Guarantee and Regional First Home Buyer Guarantee, which help eligible first home buyers purchase a property with just a 5% deposit, without needing to pay lender’s mortgage insurance. Also, at some point this year, Help to Buy is expected to launch – this is a shared-equity scheme that will allow buyers to reduce their cost to as little as 60% of the purchase price, by offering the government a stake of up to 40% in the property.

State governments also offer a range of incentives for eligible first home buyers, including:

• New South Wales – a $10,000 first home buyer grant and stamp duty discounts for purchases up to $1 million
• Victoria – a $10,000 grant and duty discounts for up to $750,000
• Queensland – a $30,000 grant and duty discounts for up to $800,000
• Western Australia – a $10,000 grant and duty discounts for up to $600,000
• South Australia – a $15,000 grant and duty discounts for up to $700,000
• Tasmania – a $10,000 grant and duty discounts for up to $750,000
• ACT – a duty discount for all purchases
• Northern Territory – a $50,000 grant

Conditions apply for all these schemes, so please speak to me to confirm your eligibility.

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