Government Grants

& Schemes for First Home Buyers

Find out what support you qualify for in each Australian state and territory

Talk to a Mortgage Broker

General Eligibility Criteria for First Home Buyer Grants

& Schemes in Australia

Major Grants & Schemes in NSW

1. Australian Government 5% Deposit Scheme

The Australian Government 5% Deposit Scheme helps eligible first-home buyers purchase a property with as little as a 5% deposit, without needing to pay Lenders Mortgage Insurance — making the journey to home ownership faster and more affordable.

2. Stamp Duty Exemptions and Concession Scheme

This exemption allows eligible first-home buyers to save thousands by reducing or removing stamp duty costs, making it easier to step into the property market sooner.

3. First Home Owner Grant

A one-off payment available to eligible first-home buyers, designed to help with the cost of purchasing or building a new home and make home ownership more affordable.

4. First Home Super Saver Scheme (FHSSS)

This scheme lets eligible first-home buyers save money for a deposit inside their super fund, helping them take advantage of tax benefits and boost their savings faster for their first home.

5. Single parents and legal guardians

The Single parents and legal guardians helps eligible single parents (with at least one dependent) buy a home with as little as a 2% deposit, without needing to pay Lenders Mortgage Insurance — making home ownership more achievable.

How Much Money Do You Need to Buy Your First Home in Australia?

The cost of buying your first home goes beyond the deposit. You’ll also need to consider stamp duty, legal fees, inspections, and other upfront expenses. Knowing the full picture helps you plan and budget with confidence.

Government Grants & Schemes for First Home Buyers

Talk to Mortgage Broker

Find out what support you qualify for in each Australian state and territory.

General Eligibility Criteria

1. Australian Government 5% Deposit Scheme

The Australian Government 5% Deposit Scheme helps eligible first-home buyers purchase a property with as little as a 5% deposit, without needing to pay Lenders Mortgage Insurance — making the journey to home ownership faster and more affordable.

2. Stamp Duty Exemptions and Concession Scheme

This exemption allows eligible first-home buyers to save thousands by reducing or removing stamp duty costs, making it easier to step into the property market sooner.

3. First Home Owner Grant

A one-off payment available to eligible first-home buyers, designed to help with the cost of purchasing or building a new home and make home ownership more affordable.

4. First Home Super Saver Scheme (FHSSS)

This scheme lets eligible first-home buyers save money for a deposit inside their super fund, helping them take advantage of tax benefits and boost their savings faster for their first home.

5. Single parents and legal guardians

The Single parents and legal guardians helps eligible single parents (with at least one dependent) buy a home with as little as a 2% deposit, without needing to pay Lenders Mortgage Insurance — making home ownership more achievable.

How Much Money Do You Need to Buy Your First Home in Australia?

The cost of buying your first home goes beyond the deposit. You’ll also need to consider stamp duty, legal fees, inspections, and other upfront expenses. Knowing the full picture helps you plan and budget with confidence.

Helping You Access the Support You Deserve

Get free, easy-to-read guides covering stamp duty discounts, deposit support, and other government incentives.

Talk to a Mortgage Broker

Unlock the Grants & Schemes You Qualify For —

See What’s Available in Your State

Information is subject to change. Updated as of September 2026. Please refer to the latest

guidance for current eligibility and conditions.

Helping You Access the Support You Deserve

Get free, easy-to-read guides covering stamp duty discounts, deposit support, and other government incentives.

Talk to a Mortgage Broker

Unlock the Grants & Schemes You Qualify For —See What’s Available in Your State

Information is subject to change. Updated as of March 2026. Please refer to the latest guidance for current eligibility and conditions.

Meet Your Instructor:

Harleen Kaur

Co-Founder & Director, Estate Seeker

Director, KaurCo Homes

With over a decade of experience in finance and business development, Harleen is the driving force behind Estate Seeker. She’s worked across banks, lenders, and partner networks, and is deeply passionate about helping Australians buy their first homes.

Armed with a Master of Commerce (Audit Honours) from the University of Sydney, she has led digital transformation and customer-first strategies within the industry. Harleen believes that homeownership isn’t just a transaction — it’s a life-changing decision, and she’s here to help you do it right.

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Win Square Finance

Lending and Commercial Finance Specialist

Australia’s trusted experts in lending solutions—Win Square Finance helps first-time buyers, business owners, and investors secure tailored finance strategies that actually work. With deep industry expertise and a track record of results, they’re here to help you borrow smarter, not harder.