First Home Owner Grant (FHOG) WA

First home owners in Western Australia are enjoying big improvements in housing affordability, and the FHOG Western Australia offers $10,000 to help with the purchase of your first home. The FHOG is only available when you buy or build a new home below a certain value, depending on your location.

WA 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 WA.

Now is the perfect time to take advantage of First Home Buyer Grants in WA because interest rates are at an all time low, act fast!

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Find out if you're eligible for the First Home Owner Grant!

Frequently asked questions about FHOG WA

  • How much is the First Home Owners Grant WA?

    The FHOG WA is worth $10,000 when you buy or build a brand new home. There are limits on what you can pay for your first home to be eligible for the FHOG in Western Australia.

    If you’re located south of the 26th parallel, which basically covers all the Perth metropolitan area, you can claim the FHOG WA if your new home is worth up to $750,000 – this includes the value of the land plus buildings.

    If you buy or build a home north of the 26th parallel, the property must be valued up to or below $1 million to be eligible for the FHOG WA.

    The First Home Owner Grant in Western Australia is no longer available if you buy an established home however you may be able to claim stamp duty savings

  • Home Buyers Assistance Account

    First home owners in WA may also be able to claim a $2,000 Home Buyers Assistance Account. This is designed to reimburse some of the expenses that go hand in hand with buying a first home in WA such as solicitor and/or conveyancing fees, valuation fees, inspection fees, establishment fees, mortgage insurance premiums and upfront loan fees charged by a lender when you take out a home loan.

    To be eligible for the Home Buyers Assistance Account in WA, you need to pay $400,000 or under for your first home, and the property must be purchased through a licensed real estate agent operating in Western Australia.

    The Home Buyers Assistance Account is only available if your first home is built or partly built when you agree to buy it, not a plan to build a home.

  • First Home Owners Grant WA eligibility

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

    • You need to be a natural person (not a company) and be 18 years or over at the time of making application. If you are under 18, you may be able to apply for an exemption from the age requirement.
    • At least one applicant must be an Australian citizen or a permanent resident.
    • You and/or your spouse or partner must be applying for the FHOG for the first time.
    • You need to live in the home for at least six months within 12 months of settlement of buying a home or within 12 months of completion if you’re building a home.

    Strict rules also apply to any property you may previously have owned. You won’t be eligible for the FHOG WA if:

    • You owned residential property anywhere in Australia before 1 July 2000
    • You owned residential property anywhere in Australia on or after 1 July 2000, and you lived in the property as your home before 1 July 2004, or
    • You owned residential property anywhere in Australia on or after 1 July 2000, and you lived in the property for at least six months on or after 1 July 2004.
  • How to apply for First Home Owner Grant WA

    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 WA exempt from stamp duty?

    First home buyers in WA can take advantage of savings on stamp duty. Even better, you can still claim stamp duty concessions even if you don’t qualify for the FHOG WA because you’re buying an established home.

    If you buy vacant land to build your first home, you’re exempt from paying stamp duty as long as you don’t pay more than $300,000. If you pay between $300,000 and $400,000 you will be entitled to a reduced rate of duty. If you pay $350,000 for your vacant block for instance, as a first home owner you’ll pay stamp duty of $6,505 – a saving of $4,230 compared to other buyers.

    If you buy a home costing up to $430,000, no stamp duty is payable at all. If the value of your home is between $430,000 and $530,000, you’ll be entitled to a reduced rate of stamp duty. For example, if you pay $450,000 for your first home, the stamp duty cost will be $3,838, which is a saving of $11,552 on the duty of $15,390 that other buyers would pay. The stamp duty concessions cut out altogether if you pay over $530,000 for your first home in WA.

  • 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 2022

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.

Download now

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