What's available to you in the Northern Territory
$50,000 Grant
For eligible new homes
No Price Cap
Full $50k grant at any purchase or build price
5% Deposit Scheme
Darwin cap $750k; rest of NT $600k
Extended again: Eligible buyers now have until 30 September 2027 to sign a contract to buy or build (owner-builders: start building), with applications open until 30 September 2028. Note the $10,000 grant for established homes closed on 30 September 2025 - the $50k grant is for new homes only.
Federal scheme options in NT
Nationwide| Scheme | Deposit | Who it suits | Key benefit |
|---|---|---|---|
| 5% Deposit Scheme (General stream) | 5% | First home buyers (or not owned in 10 years) | Avoid LMI via government guarantee |
| 5% Deposit Scheme (Single Parent stream) | 2% | Single parents/guardians with a dependent | No LMI; not restricted to first home |
| Help to Buy (shared equity). Try the calculator | 2%+ | Low‑to‑middle income buyers | Government equity lowers loan size and repayments |
| First Home Super Saver (FHSS) | N/A | Savers building a deposit | Tax‑advantaged savings via super |
Check when the grant is paid and how the lender treats it towards the deposit.
NT 5% Deposit Scheme Property Price Caps
Darwin's separate cap took effect 1 July 2026. Reviewed July 2026.
See what this could mean in dollars: my free cost to complete calculator estimates NT stamp duty, first home buyer concessions and the total cash you may need to complete a purchase at your price point.
Northern Territory programs
HomeGrown Territory Grant (new homes)
- Grant: $50,000 for building or buying a new home - no price cap.
- Extended: Contracts signed 1 Oct 2024 - 30 Sep 2027; apply by 30 Sep 2028.
- Covers: New builds, off-the-plan, owner-builders and transportable homes (permanently fixed and approved).
Buying an established home?
- No NT grant: The $10,000 established-homes grant closed on 30 September 2025.
- Federal support still applies: The 5% Deposit Scheme covers established homes (Darwin cap $750k).
- Help to Buy: Up to 30% government equity on existing homes, subject to income caps and places.
- FreshStart note: The separate $30k FreshStart grant is for non-first-home buyers building or buying new.
How NT's grants compare nationally
| State/Territory | New Home Grant | Established Home Grant | Total Possible |
|---|---|---|---|
| Northern Territory | $50,000 | $0 (closed Sep 2025) | $50,000 |
| Queensland | $30,000* | $0 | $30,000 |
| South Australia | $15,000 | $0 | $15,000 |
| NSW, VIC, WA | $10,000 | $0 | $10,000 |
| Tasmania | $20,000** | $0 | $20,000 |
*QLD's $30k grant was continued from 1 July 2026 under the 2026 QLD Budget. **TAS FHOG is $20k for transactions commencing 1 July 2026 - 30 June 2027.
$50k grant impact examples
These examples subtract the $50k grant and a separate 5% cash deposit from the price. They exclude buying costs and assume grant eligibility. The lender still needs to assess the loan.
Important things to know
Program has an end date
Contracts must be signed by 30 September 2027 (extended from 2026), with applications accepted until 30 September 2028.
New homes only
The $50k is only for building or buying a home that has never been lived in or sold as a residence. The old $10k established-homes grant closed on 30 September 2025.
One grant per purchase
The HomeGrown Territory Grant can't be combined with the FreshStart New Home Grant, and all owners must meet the eligibility rules.
You need to live there
Must be your main residence for the required period.
Limited stamp duty relief
Check stamp duty separately when estimating your buying costs.
Check your NT eligibility
I'll help check your grant eligibility, federal scheme options and buying costs.
Still working it out? See how the process works, step by step, or start with the First Home Buyer Guide.
Stamp duty at each price
Duty for investors, home buyers and first home buyers at 27 prices, with the rate tables and worked examples: Northern Territory stamp duty figures.
Official sources
- HomeGrown Territory guide to the grants, Territory Revenue Office
- Buying or building a new home, NT Government
Main figures on this page were checked against these sources on 25 September 2026.