FHOG Summary for All States
First introduced to Australia in 2000, the First Home Owner Grant (FHOG) has repeatedly changed. While nationally recognised, each territory and state fund their own FHOG. As a result, tweaking of FHOG rules occurs yearly, depending on budgets. So, let’s look at these now.
Rules Change Continually
Since the introduction of the FHOG in 2000, state and territory governments have altered the scheme significantly. Changes include the amount available to first home buyers, the property type eligible and the capped home value limit.

Today, rural home buyers can receive added funding, depending on their location. In addition, some states offer stamp duty reductions or exemptions. To find out if you’re eligible, please refer to the links provided.
Grants Are Territory and State Managed
State and territory governments usually announce their FHOG terms and conditions, and funding levels in their budget. Often, budget announcements occur annually, just after the end of the financial year, for the preceding year ahead. At this time, cap limits can change where home and land packages cannot exceed a specified dollar amount.
Payment Times Vary
Each state and territory have rules as to what buildings are FHOG eligible, and the timing of payment. Therefore, it’s important to check out their websites. Usually payment of the grant allows for the following:

  • Established property for renovation – Payment is at the time of settlement.
  • Building contract – Funded at the time of the first progress payment.
  • Owner builder – Disbursed on receipt of the Certificate of Occupancy.
  • New home – Remunerated at settlement.
  • Off-the-plan purchase – Paid at the time of settlement.
Grant Conditions Differ
Depending on the territory or state of the home purchase, the FHOG conditions for eligibility will differ. Generally, the following rulings apply:

  • You must be a first home buyer to apply.
  • If you’re applying with a partner or spouse, then they must also be a first home buyer.
  • Receiving the grant occurs only once.
  • Only Australia citizens can apply.
  • Natural people can apply, not a company or trust.
  • Grant applicants must live in the home for at least six months after completion.
  • Applicants must be 18-years-old and over.
  • New builds or substantially renovated homes are eligible.
  • Maximum property values, depending on the state or territory are between $575,000 and $750,000.


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