First Home Buyer | Queensland

QLD Grants, Schemes and Stamp Duty Concessions

A clear, easy-to-scan summary of what you can access in Queensland and how to combine it with national programs to buy sooner.

5% deposit with no LMI (HGS) $30k FHOG (new homes) Stamp duty concession to $800k

What's available to you in Queensland

$30,000 Grant

For new homes under $750k

Until June 2026

Stamp Duty Savings

Up to $24k saved on homes under $800k

5% Deposit Only

No LMI with government backing

Time-sensitive: The $30k grant drops to $15k after June 2026, so if you're buying new, it pays to move sooner rather than later.

National schemes you can pair with QLD

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% Regional QLD purchases No LMI for regional areas
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

Always check current income/price caps and openings with Housing Australia or your broker. Some settings are changing from late 2025.

Queensland programs

First Home Owner Grant (new homes)

  • Grant: $30,000 for eligible contracts signed 20 Nov 2023 – 30 Jun 2026 (then scheduled to revert to $15,000).
  • Cap: Property up to $750,000.
  • Residency: Must occupy as principal place of residence for the required period.

First Home Concession (stamp duty)

  • Threshold: Concession available for homes under $800,000.
  • Potential saving: Up to about $24,525 depending on price.
  • Conditions: Eligibility and residency rules apply; vacant land rules differ.

Your pathway to combining supports

Here's how to stack the benefits for maximum impact

1

Build your deposit faster

Use the First Home Super Saver scheme to save with tax benefits. Target 2-5% depending on which guarantee you qualify for.

2

Get the government guarantee

Apply through your broker for the Home Guarantee Scheme - avoid LMI with just 5% down (or 2% if you're a single parent).

3

Claim QLD incentives

Buying new? Grab that $30k grant. Plus save big on stamp duty for properties under $800k.

Note: Coordinate all applications through your broker so nothing gets missed at contract stage. Timing and eligibility matter.

Important things to know

The fine print that can make or break your application

You need to live there

Most grants require you to live in the property for 6-12 months minimum. Keep records and evidence of residency.

Contract timing matters

That $30k grant? Only for contracts signed before June 30, 2026. Miss the window, miss the money.

Apply through a broker

Government guarantees go through participating lenders, not government websites. Your broker handles this for you.

Rules can change

Price caps and eligibility criteria get updated. Always double-check current rules before you sign anything.

Want a tailored QLD plan?

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