You Could Be Leaving Up to $30,000 On The Table
From Grants and government schemes
Free Grants Check
We will work out every grant and scheme you are entitled to.
By enquiring you agree to be contacted about your enquiry. We never sell your information.
You Could Be Leaving $30,000 On The Table
From Grants and government schemes
Free Grants Check
We will work out every grant and scheme you are entitled to.
FIRST HOME BUYERS
You Could be
leaving $30,000 on
the table.
Grants and government schemes can save first home buyers tens of
thousands — but the rules are confusing and change often. We work
out what you qualify for and handle the paperwork, so you don’t miss
out.
Quick Enquiry
Free consultation. We’ll come back to you within one business day.
By enquiring you agree to be contacted about your enquiry. We never sell your information.
The Four Schemes, At a Glance
Here’s the short version. Tap any scheme further down for the full detail — or just talk to us and we’ll match you to the right ones.
5%
First Home Guarantee
Buy with a 5% deposit and pay no LMI. No income cap.
Citizens & PRs
2%
Family Home Guarantee
A low 2% deposit pathway built for single parents.
Single parents
40%
Help to Buy
Government co-buys up to 40% of your home. 2% deposit.
Income caps
$10K+
First Home Owner Grant
Cash grant toward a brand- new home. Amount varies by state.
New builds
Two Terms That Trip Everyone Up
What Is Lenders Mortgage Insurance?
- A one-off premium the bank charges when your deposit is under 20%.
- The catch most buyers miss: it protects the lender, not you — yet you pay for it, and it can cost $10,000 to $40,000+.
- The schemes above are valuable largely because they wipe it out.
What Is House & Land Valuation ?
- The lender orders an independent valuation of what your property is really worth, and lends against that figure.
- If it comes in below your contract price, the bank only lends on the lower number -leaving a shortfall you’d cover yourself.
- This catches many house-and-land and off-the-plan buyers off guard. We help you spot the risk early.
What Is Lenders Mortgage Insurance?
- A one-off premium the bank charges when your deposit is under 20%.
- The catch most buyers miss: it protects the lender, not you — yet you pay for it, and it can cost $10,000 to $40,000+.
- The schemes above are valuable largely because they wipe it out.
What Is House & Land Valuation—How Does It Matter?
- The lender orders an independent valuation of what your property is really worth, and lends against that figure.
- If it comes in below your contract price, the bank only lends on the lower number — leaving a shortfall you'd cover yourself.
- This catches many house-and-land and off-the-plan buyers off guard. We help you spot the risk early.
How We Handle Your Grants - For You
Knowing the schemes is one thing. Claiming every dollar, on time, without a misstep is another. Here’s what we actually do.
Check
We Check Your Eligibility
Across grant, concession and scheme – matched to your situation, income and state, so nothing that applies to you is missed.
Prepare
We do the paperwork
Applications, evidence and deadlines are easy to get wrong. We prepare and lodge them so a small error doesn’t cost you thousands.
Stack
We stack your benefits
Grants rarely sit alone. We line them up alongside stamp duty concessions, deposit schemes and your finance for the biggest combined saving.
Land it
We make it land on time
We time everything to your finance and settlement, so the money arrives exactly when you need it – not weeks after.
Check
We Check Your Eligibility
Across every grant, concession and scheme – matched to your situation, income and state, so nothing that applies to you is missed.
01
Prepare
We do the paperwork
Applications, evidence and deadlines are easy to get wrong. We prepare and lodge them so a small error doesn’t cost you thousands.
02
Frequently Asked Questions
First Home Owner Grant (FHOG)
What is it?
A one-off cash grant from your state or territory to help you buy or build your first new home. It’s national, but each state sets its own amount and rules — typically around $10,000, and higher in some states.
Who qualifies?
Generally: 18 or over, an Australian citizen or permanent resident, buying in your own name, and someone who has never owned property. You’ll also need to live in the home for a set period.
Which properties are eligible?
Almost always new homes only — a newly built house, house-and-land package, off-the-plan apartment, or substantially renovated home under a price cap. Established homes usually don’t qualify.
Common misconceptions
“It’s for any home.” No — new builds only, in most states.
“It’s the same everywhere.” No — amount and rules differ by state.
“It’s the same as a stamp duty saving.” No — those are separate, and you may get both.
Help to Buy Scheme
What is it?
A federal shared equity scheme (opened December 2025) where the government co-buys your home — up to 40% of a new home or up to 30% of an existing one — shrinking the loan you need.
Who qualifies?
Australian citizens, 18+, who don’t currently own property anywhere. Income caps apply: around $100,000 for singles and $160,000 for couples and single parents.
What are the benefits?
A smaller mortgage, lower repayments, a 2% deposit, and no LMI. You don’t pay rent on the government’s share — you buy them out later or settle up when you sell.
How much deposit? 2% minimum
Do permanent residents qualify?
No — citizens only. This is the key difference from the First Home Guarantee, which does allow permanent residents.
Are New Zealand citizens eligible?
Not for Help to Buy unless they’ve become Australian citizens. NZ buyers may find the First Home Guarantee suits them better.
First Home Guarantee (5% Deposit Scheme)
What is it?
A federal scheme letting eligible buyers purchase with just a 5% deposit and no LMI — which can save $20,000–$40,000+.
How does it work?
The government guarantees the gap between your 5% and the usual 20%. Because the lender is protected, they don’t charge you LMI.
Who qualifies?
Citizens and permanent residents, 18+, buying an owner-occupier home under the regional price cap. Since 1 October 2025 there are no income caps and no limit on places.
Owned a property more than 10 years ago?
You may still qualify. The rule changed to “not owned property in Australia in the last 10 years” — so long-ago owners can be eligible again.
Family Home Guarantee (Single Parent Scheme)
What is it?
A low-deposit pathway built specifically for single parents and legal guardians with dependent children — buy with a very small deposit and no LMI.
How much deposit? 2% minimum
Who is eligible?
Single parents or legal guardians of at least one dependent child, Australian citizens or permanent residents, 18+, buying an owner-occupier home within the price cap, who don’t currently own a home. You don’t have to be a first-time buyer.
Feeling Overwhelmed? That's Completely Normal.
- We work out what you qualify for — Across every grant and scheme.
- We handle the applications — So nothing slips through.
- We're independent — Working for you, not a bank or builder.
From Approval To Address
or just talk to us and we’ll match you to the right ones.