Directory on all NSW First Home Buyer Grants 2026
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Who Is Eligible?
Many first home buyers already meet the criteria. Use this checklist.
Basic Checklist (FHOG and most schemes)
At least 18 years old
Australian citizen or permanent resident
First time property owner in Australia
Plan to live in the home (move in within 12 months, stay at least 12 months)
Buying or building a new home:
- Valued up to $600 k (new build or substantially renovated)
- Land plus build valued up to $750 k
Not Eligible If
You or a partner have owned residential property before
You have already received a First Home Owner Grant in Australia
The purchase is for investment
How to Apply for the FHOG
Follow these simple steps to apply for the First Home Owner Grant (FHOG). From checking your eligibility to receiving funds at settlement, this guide walks you through the full application process to help you access government support with confidence.Discover your options in two minutes
Confirm eligibility
Check if you're eligible based on factors like property type, value caps, and your residency status.Each state has different rules. Visit firsthome.gov.au for details.
Choose a lender or broker
Work with a lender or mortgage broker who can help you complete and lodge the FHOG forms. Stryve offers this service at no cost.
Sign your contract
You must have a signed contract to purchase or build your first home before submitting your application.
Submit the application
Lodge your application through your lender or directly to Revenue NSW. Make sure to include all supporting documents.
Wait for approval
If approved, FHOG funds are provided at settlement for completed homes or at the first draw stage for construction.
How Much Can You Get From the FHOG?
(Based on Purchase Type)
New home
Value Cap
Up to $600.000
Grant
$10.000
Eligible
Land and build
Value Cap
Up to $750.000 total
Grant
$10.000
Eligible
Existing home
Value Cap
Any value
Grant
$0
Eligible
Note: Use the grant to boost your deposit, offset build costs, lower your loan or cover fees.
Quick Facts.
Set that dream project in motion with the best finance broker for your circumstances
- Up to $10.000 cash boost (FHOG)
- No stamp duty on homes up to $800k, discounted duty under $1 million
- Buy with 5 per cent deposit under select guarantees
- Move in within 12 months and stay 12 months (FHOG rule for contracts from 1 July 2023)
- Free tools to check what you qualify for in minutes
List of NSW first home buyer grants
(Based on Scheme Type)
First Home Buyers Grant
What It Offers
$10.000 for new builds or substantially renovated homes
Key Limits
Property up to $600 k or land plus build up to $750 k
First Home Buyer Assistance Scheme
What It Offers
Pay no stamp duty up to $800k, discounted duty under $1 million
Key Limits
New or existing homes and vacant land
5% Deposit Scheme (formerly the First Home Guarantee)
What It Offers
Buy with 5 per cent deposit, no LMI
Key Limits
No income cap. Price cap $1.5 million in Sydney and regional centres, $800k elsewhere in NSW
Help to Buy (federal shared equity)
What It Offers
Government contributes up to 40 per cent of a new home or 30 per cent of an existing one
Key Limits
Income caps $103,000 single, $165,000 joint or single parent. Citizens only
First Home Super Saver Scheme
What It Offers
Save up to $50,000 of voluntary super contributions ($15,000 a year), then release them for your deposit
Key Limits
Must meet ATO release rules
Tools to Help You Decide
EMI Calculator
Helps estimate monthly mortgage repayments.
Stamp Duty Calculator.
Calculates stamp duty across Australian states including exemptions.
Extra Repayment Calculator.
Shows how extra repayments reduce loan term and interest.
Speak to a Local Home Loan Expert
Stryve brokers have guided hundreds of NSW buyers through grants, lender options and common pitfalls.
They made the grant process easy. I did not realise I qualified for more than one scheme” - Emily, builder, Wollongong 2025
Clear advice on eligibility and schemes
Understand what you're eligible for and how to apply without the confusing paperwork.
Help using grants in your deposit
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