Government grants and concessions: frequently asked questions
Can multiple government schemes be combined?
In most cases, yes. A first home buyer can often combine the FHOG, a stamp duty exemption, the Home Guarantee Scheme and FHSS withdrawals on a single purchase. The schemes have separate eligibility tests, so each one should be checked individually.
Do government grants count toward a home loan deposit?
Lenders generally count the FHOG toward the funds available at settlement, but most still require evidence of genuine savings, typically 5% saved over time. Guarantee schemes have a greater effect on the deposit required than the grant itself.
Why do grant amounts change so often?
Grants and thresholds are set in state budgets and change frequently, sometimes during the year. The scheme structures described on this page are stable, whereas the dollar figures are not. Current amounts should always be confirmed with the relevant state revenue office or a broker before they are relied upon.
Is the First Home Owner Grant available for established homes?
Generally not. In almost every state the grant is now limited to new builds or substantially renovated homes. For established homes, state assistance is usually delivered through the stamp duty concession.
What income is required to qualify for the Home Guarantee Scheme?
Eligibility settings have been progressively widened, and income caps were removed from the First Home Guarantee from late 2025. However, property price caps by region still apply and settings continue to change. The current rules for the intended suburb should be confirmed before the scheme is relied upon.