First Home Owner Grant (FHOG) QLD

The First Home Owners Grant Queensland is a one-off payment designed to help first home owners in Queensland get a leg up onto the property ladder. The FHOG is worth $30,000 but it is only available if you buy or build a new home valued below $750,000.
First Home Owner Grant (FHOG) QLD

QLD First home buyer grants

If you're ready to buy your first home or just doing a bit of research, it's important to understand what Government support is available when it comes to grants and incentives and how much you could save!

In our Mortgage Minute video, Emma provides a comprehensive overview of state-based offers and grants available to first home buyers in QLD.

Interest Rates on home loans are at an all time low, so now is a great time to take advantage of First Home Buyer Grants in QLD, act now!

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Frequently asked questions about FHOG for QLD

How much is the First Home Owners Grant QLD?


As a first home buyer in Queensland you could be entitled to the $30,000 First Home Owner Grant. It’s money that goes a long way towards your first home deposit but conditions apply.  To be eligible for the FHOG QLD, you need to buy a brand new home or build a home from scratch. The value of your first home including the land, must be below $750,000.

The FHOG in QLD is available if you buy off the plan, but you may also be eligible for the FHOG if you buy an established home that’s been substantially renovated. This means all, or most, of the building has been removed or replaced. As a guide, substantial renovations include replacing or altering foundations or replacing or altering floors. Cosmetic work such as painting the walls or sanding floors doesn’t add up to a substantial renovation when it comes to the FHOG in QLD.

First Home Owners Grant QLD eligibility


There are a few rules to be eligible for the First Home Owner Grant in QLD, these conditions are:

  • You need to be a natural person (not a company or trust) aged 18 years or older.
  • You must be an Australian citizen or permanent resident (or applying with someone who is).
  • You need to be a permanent resident or Australia citizen.
  • You or your spouse must not have previously received a First Home Owner Grant in Australia.
  • You must not have previously owned property in Australia that you lived in.
  • You may still be eligible for the First Home Owner Grant in Queensland if you have owned an investment property as long as you haven’t lived in it.

In addition, you’ll need to live in your first home for at least six months within a year of becoming the owner.

How to apply for First Home Owner Grant QLD


Applying for the First Home Owner Grant is easy, and your Mortgage Choice broker can guide you through the paperwork. Simply fill out the form below and a local expert will be in contact with you shortly. 

Are first home buyers in QLD exempt from stamp duty?


As a first home buyer in QLD, you may be eligible to save on the cost of stamp duty.

If you’re buying vacant land to build your first home, you pay zero stamp duty as long as you pay $250,000 or less for your block. Concessions are available for vacant land valued above $250,000 and up to $400,000. 

If your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of up to $15,925, which is the maximum stamp duty rebate available to first home buyers in QLD.

Additionally, savings on stamp duty may still be available if you pay between $500,000 and $550,000 for your first home. As a guide, if your first home is worth $530,000, you pay stamp duty of $6,300 a saving of $3,500. These savings cut out altogether if your first home costs $550,000 or more.

How do you Buy Your First Home?


There are many different ways you can go about buying your first home. The best way is to get in touch with a Mortgage Broker, who can show you the State Grants that you're eligible for and can help with your home loan application. Check out our Steps to Buying your First Home for more information on how to buy your first home.

5% deposit home loans for first home buyers in FY 2022-23

April 2022 Update 

Pay only a 5% Deposit on your Home Loan with the Government's First Home Guarantee Scheme. ​Announced in the  2022-23 Federal Budget, from 1 July 2022 – 30 June 2025 there will be 50,000 spots per year for eligible home buyers to take advantage of the First Home Guarantee and it’s expansions. Of these 50,000 places, 35,000 will be allocated for the First Home Guarantee, while the other 15,000 will be allocated to the Family Home Guarantee (5,000), and the Regional Home Guarantee (10,000).

Download our eGuide below to learn about all the Government grants and schemes available to you and how you could save!​

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First home buyer 2022 grants guide

If you're looking at buying your first home it's worth knowing what Government help is available. This guide will walk you through all the grants and schemes to help you save.


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