What's available to you in the Northern Territory
$50,000 Grant
Highest in Australia for new homes
$10,000 Grant
For existing homes too
Regional HGS
All NT qualifies for 5% deposit
Australia's most generous state: NT's $50k HomeGrown Grant is 67% higher than Queensland's $30k and 5x most other states. This reflects serious commitment to population growth!
National schemes you can pair with NT
Nationwide| Scheme | Deposit | Who it suits | Key benefit |
|---|---|---|---|
| First Home Guarantee (HGS) | 5% | First home buyers (or not owned in 10 years) | Avoid LMI via government guarantee |
| Regional First Home Buyer Guarantee | 5% | All of NT qualifies as regional | No LMI across the entire territory |
| Family Home Guarantee | 2% | Single parents/guardians with a dependent | No LMI; not restricted to first home |
| Help to Buy (shared equity, forthcoming) | 2%+ | Low‑to‑middle income buyers | Government equity lowers loan size and repayments |
| First Home Super Saver (FHSS) | — | Savers building a deposit | Tax‑advantaged savings via super |
The entire NT qualifies for Regional HGS. The $50k grant makes the deposit requirement even easier to achieve.
Northern Territory programs
HomeGrown Territory Grant (new homes)
- Grant: $50,000 for new homes.
- Record holder: Highest first home buyer grant in Australia.
- Extended: Program extended to September 30, 2026.
- Replaces: Previous FHOG with much higher value.
Established Home Support
- FHOG: $10,000 for established homes.
- Dual system: Separate program for existing property buyers.
- Flexibility: Choice between new builds and existing homes.
- Stamp duty: Limited first home buyer relief available.
How NT's grants compare nationally
| State/Territory | New Home Grant | Established Home Grant | Total Possible |
|---|---|---|---|
| Northern Territory | $50,000 | $10,000 | $50,000 |
| Queensland | $30,000* | $0 | $30,000 |
| South Australia | $15,000 | $0 | $15,000 |
| NSW, VIC, WA | $10,000 | $0 | $10,000 |
| Tasmania | $40,000** | $0 | $40,000 |
*QLD's $30k expires June 2026, reverts to $15k. **TAS combines $10k FHOG + $30k Builders Grant.
Maximising NT's record-breaking support
Go for the record grant
Target new home construction to access Australia's highest first home buyer grant - $50,000!
Get regional HGS access
All of NT qualifies for Regional Home Guarantee Scheme - 5% deposit, no LMI through your broker.
Build your deposit faster
Use First Home Super Saver - with the $50k grant, you'll need less saved and can build emergency funds too.
Note: The $50k grant can cover most or all of your deposit on many properties. This reduces borrowing needs and opens opportunities for buyers with lower incomes.
Northern Territory opportunities
Darwin & surrounds
- New estates: Zuccoli, Johnston, Bellamack with modern amenities
- Established areas: Palmerston, Karama with community infrastructure
- Premium growth: Howard Springs, Noonamah offering lifestyle blocks
- Unit market: Darwin CBD and Casuarina with strong rental yields
Regional NT centres
- Alice Springs: Central Australia hub with tourism and services
- Katherine: Growing centre with agricultural and tourism base
- Tennant Creek: Mining town with development potential
- Nhulunbuy: Gove Peninsula mining community
$50k grant impact examples
The massive $50k grant significantly reduces borrowing requirements, making properties more accessible and reducing loan servicing costs.
Important things to know
The details that matter for your NT strategy
Program has an end date
The HomeGrown Grant ($50k) currently ends September 30, 2026 - but given its success, extensions are possible.
New homes get the big grant
The $50k is only for new construction. Existing homes get a separate $10k grant - still generous by national standards.
Choose one grant only
You pick either the $50k (new) or $10k (established) grant - not both. Choose wisely based on your property plans.
You need to live there
Must be your main residence for the required period. With grants this size, compliance is closely monitored.
Limited stamp duty relief
NT focuses on grants rather than stamp duty concessions - but with $50k grants, you may not need them!
Claim Australia's highest grant?
We'll help you access NT's record-breaking $50,000 grant and coordinate it with federal schemes for maximum benefit.