Eight quick questions. We map you against the federal First Home Guarantee (the 5% deposit scheme), the Family Home Guarantee, Help to Buy, your state's First Home Owner Grant, and stamp duty concessions — and tell you what to do next.
Australia supports first home buyers through several layers: Commonwealth guarantee schemes that cut the deposit needed without lenders mortgage insurance, state and territory grants for new builds, and stamp-duty exemptions or concessions. Eligibility turns on income, property price caps, property type and your ownership history — and the rules differ by jurisdiction. This checker gives you an indicative read on what you may qualify for.
Often, yes. An eligible buyer can sometimes stack a deposit guarantee with a state grant and a duty concession on the same purchase — each scheme applies its own criteria, so you need to qualify under every one separately.
No. Guarantee schemes reduce the deposit hurdle — letting eligible buyers purchase with a smaller deposit and no lenders mortgage insurance — but a minimum contribution is still required, and you still need to service the loan.
Yes, regularly — caps are reviewed and schemes are reshaped in budgets. Treat any figure as a point-in-time guide and confirm the current settings on the official scheme pages before you act.
General information only. This is not credit assistance or financial advice — scheme rules, caps and places change, so confirm current settings on official sources before relying on them.