First Home Owner Grant (FHOG) ACT

The First Home Owners Grant in the ACT is a one-off payment of $7,000 designed to help first home buyers in Canberra with the cost of buying a home. The FHOG in the ACT is only available on new homes purchased before 30 June 2019. From 1 July 2019, the FHOG ACT will be replaced by valuable savings on stamp duty.


ACT 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 ACT.

Fill out the form below and one of our brokers will be in contact to discuss your eligibility

First Home Owner Grant questionnaire

Tell us about yourself:

Has each applicant on or after 1 July 2000:

Contact details

6 October 2020 Update: Great news for first home buyers - 10,000 new First Home Loan Deposit Scheme places have just been released as part of the 2020-21 Federal Budget

Frequently asked questions about FHOG ACT

How much is the First Home Owners Grant ACT?


Up until 30 June 2019, the FHOG ACT is only available if you buy or build a newly home valued at $750,000 or below. The First Home Owner Grant in Canberra can also be used if you’re buying off-the-plan, or if you buy a substantially renovated home. ‘Substantial renovations’ mean all or most of the building has been removed or replaced. Renovations to just one part of the home such as a new kitchen or bathroom don’t count as substantial renovations.

It’s important to note that the FHOG scheme in the ACT will no longer be available from 1 July 2019. Instead, the FHOG ACT will be replaced with exemptions on stamp duty, which could add up to a lot more than the current $7,000 FHOG.

First Home Owners Grant ACT eligibility


To be eligible for the FHOG in Canberra, you’ll need to meet several conditions:

  • You or your spouse/partner must not have previously received a FHOG in Australia
  • You must live in the home you buy for at least 12 months within 12 months of settling on the
    property (this is when the keys are handed to you) or from when the home is fully built
  • You must be aged 18 years or over and be an Australian citizen or permanent resident.

Specific rules apply to having previously owned property. You may not be eligible to claim the FHOG in
the ACT if:

  • You owned residential property anywhere in Australia before 1 July 2000, or
  • You owned residential property in Australia between 1 July 2000 and 1 January 2004, and lived
    there for any period of time, or
  • You owned residential property in Australia after 1 January 2004, which you lived in for six
    months or more.

How to apply for First Home Owner Grant ACT


Applying for the First Home Owner Grant in the ACT 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 the ACT exempt from stamp duty?


From 1 July 2019, first home buyers in Canberra will no longer have to pay stamp duty on their properties.  This includes both new and established homes and has no limit with regards to property prices, meaning that buyers will have more freedom to purchase the home that's right for them.

Who is eligible?

To be eligible, first homeowners in the ACT must have a household income below $160,000. This number increases up to $176,000 depending on the number of children you may have. 

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First home buyer 2020 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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