The First Home Buyer Grant in Queensland – What You Need to Know in 2025
Buying your first home is a moment you’ll never forget – but it can also feel overwhelming. From saving your deposit to navigating banks and government policies, there’s a lot to wrap your head around. The good news? If you’re buying or building a new home in Queensland, you might be eligible for a $30,000 First Home Owner Grant (FHOG) to help make your dream a reality.
Let’s break it down in simple terms so you know what to expect – and how to make the most of it.
What is the First Home Buyer Grant?
The FHOG is a one-off, tax-free payment offered by the Queensland Government to support first-time buyers who are building or purchasing a brand-new home. That includes:
A newly built house, townhouse, or apartment
An off-the-plan purchase that hasn’t been lived in before
A substantially renovated home (where most of the home is effectively rebuilt)
This grant is designed to help first home buyers get into the market sooner – particularly as house prices rise and the cost of living increases.
Are You Eligible?
The eligibility rules are pretty clear – but there are a few small catches, so read carefully:
You must be at least 18 years old – sorry, kids can’t apply!
You or your partner must be an Australian citizen or permanent resident
You must not have owned property in Australia before – this includes investment properties
You’ll need to move into the home and live there for at least 6 months within 12 months of completion
Basically, the government wants to make sure the grant is going to people who really need help buying their first home – and who will genuinely live in it.
Property Value Cap
This is important – the total value of your new home (land + building) must be $750,000 or less. If your total purchase price or build contract creeps above that number, unfortunately you won’t be eligible for the grant.
So, if you’re looking at land and build packages, keep that number in mind when planning your budget.
How to Apply
There are two ways to apply for the FHOG:
Through a participating lender (that’s us – we make it part of your loan application process)
Directly through the Queensland Revenue Office (if you’re managing the loan process yourself)
Working with a mortgage broker can streamline the process. We’ll not only help with your loan, but also ensure your grant paperwork is completed accurately and submitted on time.
Bonus: Combine with Other Schemes
Here’s the best part – the grant isn’t the only support out there for first home buyers. You may also qualify for:
First Home Guarantee – Buy with as little as 5% deposit without needing Lenders Mortgage Insurance (LMI)
Stamp Duty Concessions – You could pay reduced or even zero stamp duty, depending on your home’s value
Super Saver Scheme – Withdraw voluntary super contributions for your home deposit
Tip: Government schemes change often. Book a quick chat with us so we can check your eligibility and explore how to combine all your entitlements.
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