Do I Still Qualify for the First Home Owner Grant If I’m Buying an Established Property?
The FHOG rules have narrowed in recent years. But stamp duty concessions — which are often more valuable — are frequently available for established properties and are regularly overlooked.
In most states, the short answer is no — the First Home Owner Grant now applies primarily to new builds. But the full picture is more nuanced, and many buyers write off the FHOG without checking the current rules in their specific state.
Current FHOG Position by State
- New South Wales: $10,000 for new builds only
- Victoria: $10,000 for new builds up to $750,000
- Queensland: $30,000 for new builds; established properties no longer eligible
- South Australia: $15,000 for new builds only
- Western Australia: $10,000 for new builds under $750,000
- ACT: No FHOG — replaced with stamp duty concessions
State rules change. Checking with your state revenue office or a licensed broker before assuming ineligibility takes two minutes and occasionally uncovers grants most buyers didn’t know still existed.
What Established Property Buyers Can Still Access
While the FHOG may not apply, first home buyers purchasing established properties are typically still eligible for stamp duty concessions. Depending on the state and purchase price, this can represent $10,000 to $30,000 in savings — more than the FHOG in many cases.
The First Home Guarantee Applies to Established Properties
The government’s 5% deposit scheme with no LMI applies to both new builds and established homes. It’s worth distinguishing between the FHOG (a cash grant, mostly new builds) and the guarantee (an LMI avoidance mechanism that covers both).
Please note: if a loan is arranged through a mortgage broker, the broker may receive a commission from the lender. You are entitled to ask about any commissions payable.
You may wish to speak with a licensed mortgage broker to assess your personal circumstances.
This is general information only. FHOG eligibility and stamp duty concession conditions vary by state and are subject to change. Speak with a licensed mortgage broker or your state revenue office for current details. All loans are subject to lender approval.
Sources: State Revenue Offices (NSW, VIC, QLD, SA, WA, ACT); Housing Australia, First Home Guarantee 2025–26; NHFIC First Home Buyer Research 2025.
