CalculatorsBuyingFirst Home Owner Grant

First Home Owner Grant, by state.

Cash grants for first home buyers, with the eligibility rules each state actually applies. Stamp-duty concessions are handled separately in our stamp duty calculator.

Your purchase
$
Eligible for the full Victoria grant of $10,000.
FHOG · Victoria
↓ Cash at settlement
$10,000
State maximum
$10,000
Property type
New builds only
Value cap
$750,000
Available for new homes (build, off-the-plan or first-occupant purchase) up to $750k. Established homes do not qualify for the grant.
SponsoredA mortgage broker can lodge your FHOG application alongside the loan.
Talk to a broker
All states at a glance
StateGrantProperty typeValue cap
NSW — New South Wales$10,000New builds only$600,000
VIC — Victoria · you$10,000New builds only$750,000
QLD — Queensland$30,000New builds only$750,000
SA — South Australia$15,000New builds only$650,000
WA — Western Australia$10,000New builds only$750,000
TAS — Tasmania$10,000New builds only—
ACT — Australian Capital Territory—Any eligible—
NT — Northern Territory$10,000New builds only—
Current market rates

24 variable rates matching this loan shape

From 10 Australian lendersvia the ACCC’s open banking feed.

Rate type
Loan purpose
Repayment
  • CommBank
    Standard Variable Rate Home Loan (Owner Occupied)
    RedrawOffsetExtras
    0.10%
    Comparison rate n/a
  • CommBank
    Simple Home Loan (Owner Occupied)
    RedrawOffsetExtras
    0.10%
    Comparison rate n/a
  • Westpac
    Flexi First Option Home Loan - Veterans
    RedrawExtras
    3.25%
    Comparison rate n/a
  • Westpac
    Sustainable Upgrades Home Loan
    Extras
    4.74%
    4.74% comparison
  • Up
    Up Home Loan
    ExtrasOffsetRedraw
    6.20%
    6.20% comparison
  • Westpac
    Flexi First : Our lowest online variable home loan rate (Owner Occupied)
    RedrawExtras
    6.24%
    6.25% comparison