Enter your state, property price, income, and property type to see every first home buyer grant, stamp duty concession, and federal scheme that may apply - stacked into a single total saving. The calculator covers the First Home Owner Grant, state stamp duty concessions, the First Home Guarantee, Help to Buy, and FHSS super savings across all eight Australian states and territories.

Can I combine the First Home Owner Grant with the First Home Guarantee (5% Deposit Scheme)?

Yes, these two can stack on the same purchase. The First Home Owner Grant is a cash payment from your state or territory government (amounts range from $10,000 in NSW, VIC and WA up to $50,000 in the NT, depending on where you buy and whether you are contracting a new home). The First Home Guarantee is a separate federal scheme that lets eligible buyers purchase with as little as a 5% deposit and pay no Lenders Mortgage Insurance. Because they come from different levels of government and serve different purposes, they can be used together - though your state grant and stamp duty concession cannot be stacked on top of Help to Buy or the QLD Boost to Buy at the same time as the First Home Guarantee.

Which schemes cannot be combined with each other?

The three main federal and state shared-equity or deposit schemes are mutually exclusive: Help to Buy, the First Home Guarantee (5% Deposit Scheme), and Queensland's Boost to Buy cannot be used on the same purchase. You must choose one of these for any given transaction. State FHOG cash grants and stamp duty concessions sit outside this exclusivity rule, so they may still apply on top of whichever single federal scheme you choose, provided you meet that scheme's eligibility conditions.

How does the First Home Super Saver Scheme (FHSS) fit into the stack?

The FHSS lets eligible buyers salary sacrifice voluntary contributions into superannuation at a concessional tax rate, then withdraw those savings to put toward a deposit. Because it operates through the super system rather than at settlement, it is not mutually exclusive with the FHOG, the First Home Guarantee, or stamp duty concessions - meaning it can potentially be used alongside all of them. The tax saving depends on your income and how much you contribute each year, and the ATO makes the final determination on release applications.

Does the ACT have a First Home Owner Grant?

No. The ACT abolished its First Home Owner Grant in 2019. Instead, eligible first home buyers in the ACT may be able to access the Home Buyer Concession Scheme, which can reduce or remove stamp duty on the purchase. This scheme is income tested - your household's total taxable income must fall under a threshold that increases with the number of dependent children you have (for example, the base cap for a buyer with no dependents is around $250,000, with an uplift of roughly $4,600 per dependent). The ACT Revenue Office makes the final eligibility determination.

Are there any state-specific grants that are about to change?

Yes, two states have upcoming changes worth knowing about. In Queensland, the FHOG is $30,000 for contracts signed before 30 June 2026, after which it drops to $15,000. In Tasmania, the FHOG is also $30,000 and a full stamp duty exemption applies for homes under $750,000 - both are due to drop after 30 June 2026. If you are buying in either state and timing is flexible, the contract signing date matters significantly. The NT's $50,000 HomeGrown Territory Grant runs until contracts are signed by 30 September 2027.

Does the property type - new versus existing - affect how much support I can get?

It makes a large difference. The First Home Owner Grant in every state applies only to new homes (newly built, off-the-plan, or a house and land package). Several stamp duty concessions are also more generous on new builds - Queensland abolished stamp duty entirely for FHBs buying new homes with no price cap from May 2025, and South Australia has no stamp duty for FHBs on new homes with no price cap either. The federal Help to Buy scheme contributes up to 40% equity on a new home versus 30% on an existing one. Entering your property type in the tool will show how the available support shifts between new and established purchases.

What is the First Home Guarantee and how much could it save?

The First Home Guarantee (also called the 5% Deposit Scheme) lets eligible first home buyers purchase with a 5% deposit without paying Lenders Mortgage Insurance, which can otherwise cost tens of thousands of dollars on a low-deposit loan. There is no income cap to qualify, and places are unlimited as of 1 October 2025. Price caps apply and vary by state and location - for example, in Sydney the cap is $1,500,000 while in regional NSW it is $800,000. The tool estimates the LMI saving based on the property price and deposit you enter, but the actual amount depends on lender pricing and your specific loan, so the relevant lender or a mortgage broker can give you a precise figure.