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
NSWNew South Wales$10,000New builds only$600,000
VICVictoria · you$10,000New builds only$750,000
QLDQueensland$30,000New builds only$750,000
SASouth Australia$15,000New builds only$650,000
WAWestern Australia$10,000New builds only$750,000
TASTasmania$10,000New builds only
ACTAustralian Capital TerritoryAny eligible
NTNorthern Territory$10,000New builds only
Current market rates

22 variable rates matching this loan shape

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

Rate type
Loan purpose
Repayment
  • Westpac
    Flexi First Option Home Loan - Veterans
    RedrawExtras
    3.25%
    Comparison rate n/a
  • Westpac
    Sustainable Upgrades Home Loan
    Extras
    4.49%
    4.49% comparison
  • Up
    Up Home Loan
    ExtrasOffsetRedraw
    5.95%
    5.95% comparison
  • ING
    Mortgage Simplifier
    Redraw
    5.99%
    6.02% comparison
  • CommBank
    Digi Home Loan (Owner Occupied)
    ExtrasRedrawOffset
    6.09%
    6.22% comparison
  • NAB
    NAB Defence Force Home Loan
    OffsetRedrawExtras
    6.09%
    6.18% comparison