First Home Buyer Eligibility Calculator
Check whether you’re likely eligible for first home buyer grants and stamp duty concessions in Australia. Answer a few questions to see where you stand.
Eligibility depends on your state, the property and your situation. This gives an indicative read, your broker confirms the detail.
You meet the core first home buyer conditions, but the price may be near or above your state’s concession cap. A broker can tell you exactly what applies and structure the purchase to qualify.
- ✓First-time buyer (never owned in Australia)
- ✓Australian citizen or permanent resident
- ✓Moving in as your home (not investing)
- ✓Price within typical concession range (≤ $750k)
How we estimate this
First home buyer support in Australia comes in two parts: the First Home Owner Grant (usually for new builds) and stamp duty exemptions or concessions (often available on established homes too). Both have price caps and residency conditions that vary by state.
Pricing reviewed: June 2026.
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Understanding first home buyer eligibilitys in Australia
First home buyer support in Australia comes in two parts: the First Home Owner Grant (usually for new builds) and stamp duty exemptions or concessions (often available on established homes too). Both have price caps and residency conditions that vary by state.
The biggest eligibility traps are having owned property before (even an investment), buying as an investor rather than to live in, and buying above your state’s price threshold. A broker confirms your exact position and can structure the purchase to keep you eligible.
Frequently asked questions
Who is a first home buyer?
Generally someone who has never owned residential property in Australia, including investment property, and who will live in the home they’re buying.
Do I get a grant on an established home?
Usually the First Home Owner Grant is for new builds, but stamp duty concessions often apply to established homes under a price cap. It varies by state.
Does buying as an investment count?
Almost never for first-home benefits, most require you to live in the property for a minimum period, commonly 6–12 months.
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