First time home owner grant – Do I qualify?

Home: Getting Settled; First Time Home Owner Grant


The First Time Home Owner Grant (FHOG) is available to permanent residents of Australia who meet the following criteria:-

  • None of the applicants have received the grant before
  • At least one applicant is a permanent resident of Australia or Australian citizen.
  • All applicants will be residing in the home within the fist 12 months following settlement.

Remember, when buying house Perth, the Real Estate Agent is obligated to the Seller… not the buyer.

So if you are looking at some help and guidance buying your Perth home you may want to use the services of a Buyers Agent. I am sure you will find that there services more than cover the fee you will pay.

What is the First Time Home Owner Grant (FHOG)

The First Time Home Owner Grant (FHOG) is a lump sum available to Australians buying their first home. The Grant is payable to first home buyers in a lump sum payment of $7,000.

If you are a first time buyers may also be entitled to land transfer stamp duty relief. The relief will depend on the value of the property you are purchasing.

In order to apply for the grant you submit a completed FHOG application in to the lender with your application for a home loan. The lender will process the applicaiton for you. If you are using a mortgage broker to organise your finance (highly recommended) then they will complete the form with you.

Land Transfer Stamp Duty Relief

If you qualify for the FHOG and you are purchasing a property for under $500,000 then you will be entitled to full land transfer stamp duty relief. On a purchase price of $500,000 that is a saving of $20,700. If your purchase price is greater than $500,000 then the land transfer stamp duty relief you receive reduces on a tiered scale until the purchase price is greater than $600,000 when you receive no relief at all.

Home Buyers Assistance Fund

The Home Buyers Assistance Fund is a further entitlement. To qualify you must meet the following criteria:-

  • Property purchase price is equal to or less than $400,000
  • The property has been purchased via a Licensed Real Estate Agent

The Home Buyers Assistance Fund is a lump sum payment of up to $2,000 payable once the purchase has settled.

As you can see there are a number of benefits available to assist the first home buyer.



If you are buying house Perth or will be looking to buy a house Perth in the future then the chances are you will need to organise a mortgage alongside aplying for your first time home owner grant.

So if you are looking to buy a house Perth and would like to be contacted by a qualified mortgage broker to discuss your mortgage options then complete the enquiry form below.


Home Loan Enquiry
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