Home buyer government grants and rebates

Looking for a financial helping hand in order to buy your dream home? Government grants and rebates could help.

Federal grants and schemes for first home buyers

Luckily for first timers, there are several government grants and schemes available to help you get your foot on the property ladder. You may be eligible for one or more than one of these. Your financial adviser will be able to help.

Australian Government initiatives for first home buyers include:

First Home Loan Deposit Scheme (FHLDS)

  • Allows first home buyers with a deposit of less that 20% to get a home loan without having to buy lenders mortgage insurance
  • Applicable to a number of different home types, including house and land packages, off the plan homes and newly constructed homes
  • Limited number of places made available each financial year.

Learn more

First Home Super Saver Scheme

  • Lets you make voluntary concessional (before-tax) and voluntary non-concessional (after-tax) contributions into your super fund to save for your first home
  • You can then release your voluntary contributions, along with associated earnings, to help you buy your first home
  • You must meet eligibility requirements to be able to apply.

Learn more

Federal grants and rebates for downsizers

Although most government grants and schemes are designed to help first home buyers, there are also Australian Government initiatives in place to support people at the other end of their home-owning journey. These include:

Downsizer measure

If you're over 65 and eligible, you can make downsizer contributions of up to $300,000 each into your superannuation from the proceeds of selling your home.

Learn more

State-by-state breakdown of government grants and rebates

There are a number of grants administered by each state that may be available to people who are building or buying their first home. Eligibility requirements and amounts available (from $10,000 to $20,000) vary from state to state. Click on the links for more information.


Grant name

Grant amount

Possible other grants

New South Wales


First Home Buyer Assistance Scheme – provides a reduction of transfer duty charges


Up to $20,000


Up to $20,000


Western Australia




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All information on this page is intended as an overview and may not necessarily be comprehensive.

The information on this page is current as at 19/03/2021. To assess your eligibility for the above grants, and to explore further concessions and rebates, visit the relevant state government websites from the table above or talk to your financial adviser.