First Home Owners Grant

The First Home Owners Grant (FHOG) is a Federal Government grant of $7,000, available to eligible first home buyers. The FHOG is administered by the State Governments, in conjunction with any additional first home buyer initiatives each individual state offers.

Apply For the First Home Owners Grant and Home Loan Pre-Approval

To take advantage of the first home owners grant and to apply for a home loan pre-approval for the loan that is in your best interest, call 13 LOAN ( +61 2 9249 3739 direct) at any time or email us the form below and we will return your call within 2 business hours

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First Home Owners Grant Eligibility Criteria (Federal Government)

To qualify for the First Home Owners Grant, you need to satisfy the following criteria:

• The application must be made within 12 months of completion of construction or settlement of the home.
• You or a joint applicant must be an Australian Citizen or permanent resident. Requirements vary among states and territories regarding the number of applicants who must be an Australian citizen or permanent resident and age of the applicant.
• You must be buying or building your first your first property as a person, not as a company or trust.
• You or your spouse must not have previously owned an interest in land in Australia that had a residence on it prior to July 1, 2000.
• You or your spouse must not have owned and occupied a home after July 1, 2000.
• If you have purchased investment property(ies) after 1 July 2000, as long as you have never owned property before 1 July 2000 and have never lived in the investment property(ies), you should eligible.
• Neither you or your spouse must have claimed this grant previously.
• Entering into a building, in the case of owner-builders, must have occurred on or after July 1, 2000.
• An eligible home must be located in Australia and be a new or established house, home unit, flat or other type of self-contained fixed dwelling that lawfully can be used as a place of residence.
• An eligible home must be occupied by you as your principal place of residence within 12 months of construction of the home. There are minimum periods of occupancy required by each state or territory.
• Joint applicants are restricted to a single application for a single property and only one payment of $7,000 is made.

Additional State Government Benefits and the First Home Owners Grant

Each state in Australia offers additional grants or duty relief to first home buyers. To get more state-specific information about the first home owner grant or to obtain application forms, please select the state or territory in which you intend to purchase your home from our First Home Buyers menu, or click on the relevant state revenue office link below:

More information and home loan help

For more information on how and where to find a better home loan deal from an extensive panel of Australian banks and secure mortgage lenders, or to speak to your local area mortgage expert, contact us on 13 LOAN (direct +61 2 9249 3739)