Check the four government first-home-buyer schemes at once — the Australian Government 5% Deposit Scheme, the First Home Super Saver, your state First Home Owner Grant and the first-home stamp-duty relief — and see which appear available on your figures and how they stack. General information about government schemes only.
Educational tool. Not financial advice.
Which state is the property in?
Property price
The purchase price — sets the price-cap, grant value-cap and stamp-duty threshold tests.
$
Your annual income
Your (or combined, if buying as a couple) annual income. The 5% Deposit Scheme dropped its income cap on 1 October 2025; income still matters for historical periods.
$
Your deposit
As a share of the price. The 5% Deposit Scheme needs at least 5% (2% for the single-parent Family Home Guarantee stream).
Is it a new build or an established home?
The First Home Owner Grant is new-build only in NSW, VIC and QLD; QLD new builds also get full stamp-duty exemption regardless of value.