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

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.

First Home Guarantee Scheme

Assists eligible home buyers to buy a home with as little as 5% deposit without paying Lenders Mortgage Insurance
The National Housing Finance and Investment Corporation guarantees participating lenders up to 15% of the value of the property that is financed by an eligible home buyer's home loan
Only 35,000 guarantee places each financial year.

Learn more

Family Home Guarantee Scheme

Assists eligible single parents or eligible single legal guardians of at least one dependent to buy a home sooner with as little as 2% deposit for eligible home buyers without paying Lenders Mortgage Insurance.
The National Housing Finance and Investment Corporation guarantees participating lenders up to 18% of the value of the property that is financed by an eligible home buyer's home loan
Only 5,000 guarantee places available each financial year.

Learn more

Regional First Home Buyers Guarantee (RFHBG)

Assists eligible home buyers to buy a home in a regional area with as little as 5% deposit without paying Lenders Mortgage Insurance
The National Housing Finance and Investment Corporation guarantees participating lenders up to 15% of the value of the property that is financed by an eligible home buyer's home loan
Only 10,000 guarantee places each financial year.

Learn more

Disclaimer:
Buyers may be eligible to participate in the Australian Government’s Home Guarantee Scheme including the First Home Guarantee Scheme, Regional First Home Buyers Guarantee or Family Home Guarantee Scheme. Not a Stockland Promotion. Eligibility criteria and guarantee limits apply. Stockland does not accept any liability with regard to the Home Guarantee Scheme offered by the Australian Government. See https://www.nhfic.gov.au/support-buy-home for more information and full terms and conditions.

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 $15,000) vary from state to state. Click on the links for more information.

State	Grant name	Grant amount	Possible other grants
New South Wales	NSW First Home Owner’s Grant	$10,000	First Home Buyer Assistance Scheme – provides a reduction of transfer duty charges
Victoria	Vic First Home Owner Grant	$10,000	First home buyer duty exemption, concession or reduction
Queensland	Queensland First Home Owner’s Grant	$15,000	None
Western Australia	WA First Home Buyer Grant	$10,000	None

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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.