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Tax & Government

First Home Owner Grant (FHOG)

State cash grant for first-home buyers — usually new builds only.

What is FHOG?

FHOG is a state-administered cash grant paid to eligible first-home buyers buying or building a new home. Amounts and rules vary by state: NSW and VIC offer $10,000 for new builds; QLD offers $30,000 until mid-2026; WA, SA and TAS all have versions with their own terms.

Why it matters for you

FHOG is only for new-build or substantially renovated homes in most states — not established properties. Often stacked with stamp duty concessions and the First Home Guarantee. Check your state Revenue Office for current rules and caps.

We'll stack every grant you qualify for

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Related terms

5% deposit, no LMI, government guarantee. For eligible first-home buyers.

Tax & Government

The state tax you pay when you buy property. Biggest cost after deposit.

Tax & Government

Vacant land and a construction contract bundled — two staged settlements.

Loan Types & Features
Last updated: April 2026