First Home Buyer Eligibility Checker

Check grants, stamp duty exemptions & government schemes

Your Situation

Property Purchase Price

Your Deposit Amount

10% deposit

This is a new build / off-the-plan

Income Details

Your Annual Income (before tax)

Buying with a partner/spouse

Australian citizen or permanent resident

Never owned property in Australia

Will live in property for at least 12 months

Potential Savings

$28,525

• Stamp duty saving: $13,525

• LMI saving (estimated): $15,000

Scheme Eligibility

First Home Owner Grant (NSW)

$10,000 cash grant

Only available for new homes

First Home Buyer Stamp Duty

~50% stamp duty reduction

Sliding scale concession applies

First Home Guarantee

Buy with 5% deposit, no LMI

Government guarantees up to 15% of loan

Regional First Home Guarantee

Buy with 5% deposit in regional areas

St George is in metro Sydney (not eligible)

Family Home Guarantee

Buy with 2% deposit as single parent

Available if you are a single parent with dependents

Income test: Combined income $125,000 is within the $125,000 threshold ✓

Best Suburbs for First Home Buyers →

First Home Buyer Eligibility FAQs

Understanding grants, concessions, and schemes for first home buyers in NSW.

NSW first home buyers can access: (1) First Home Owner Grant (FHOG) of $10,000 for new homes under $750K; (2) Full stamp duty exemption on existing homes up to $800K; (3) Stamp duty concession on homes $800K–$1M; (4) First Home Guarantee — buy with 5% deposit and no LMI; (5) Help to Buy shared equity scheme — government contributes up to 40% of the purchase price.