Solution finder
I'm looking to Buy or build my first home and
edit

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.


Frequently asked questions about FHOG 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 Australis is no longer available if you buy an established home however you may be able to claim stamp duty savings

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.

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

  • 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.

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. 

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.

Fill out the form below to find out if you qualify for a FHOG WA

First Home Owner Grant questionnaire

Tell us about yourself:

Has each applicant on or after 1 July 2000:

Contact details

Things can change quickly in the market.

Subscribe and stay informed with news, rates and industry insights.