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The First-Home Buyer's 2026 Grant & Scheme Map
Every grant, stamp-duty concession and shared-equity scheme you may qualify for — mapped by state, in plain English, so you stop guessing what you're actually entitled to.
Built from state revenue-office and federal scheme rules — AI-assisted, human-reviewed. General information only, not financial advice.
The help exists — but it's scattered, conditional and easy to miss
First-home grants, stamp-duty exemptions, the First Home Guarantee, state shared-equity schemes — each has its own price caps, income tests and deadlines, and they differ by state. Miss one detail and you either leave thousands on the table or bank on help you don't qualify for.
You don't need another mortgage-broker sales pitch. You need a clear map of what you can actually claim, before you commit to a property.
What changed for 2026
- Updated price caps and income thresholds by state
- First Home Guarantee places, eligibility and the deposit maths
- Stamp-duty exemption and concession bands — where they cut off
- Shared-equity schemes: what you give up for what you get
What's inside
A practical map you use while you're actually house-hunting.
Scheme map by state
Every grant and concession you may qualify for, side by side.
Eligibility quick-checks
Income, price-cap and residency tests in plain language.
The deposit & LMI maths
How the guarantee changes what you need up front.
Deadline & application list
What to apply for, in what order, and when.
Who this is for
It's for you if
- You're buying your first home in Australia in the next 12 months
- You're not sure which grants and schemes you qualify for
- You want the full picture before you talk to a broker
It's not for you if
- You want a personal mortgage recommendation
- You've already bought and settled
- You want a broker to do it all for you
A look inside
Sample — the price-cap trap
The takeaway: the First Home Guarantee and most stamp-duty concessions are gated by a property price cap — and it's the purchase price that counts, not your loan size or your deposit. Why it stings: the cap differs by capital city versus regional area, and it's a hard line — a property a little over the cap can cost you the entire concession, which often dwarfs the price difference. The move: check the cap for your exact location before you fall for a listing just above it. The map lists every cap by state and region, and the order to apply so one approval doesn't block another.
How it was made
- Sources: state revenue-office schedules, federal scheme rules and Housing Australia material.
- Method: AI-assisted synthesis, human-reviewed and edited before publication.
- Updated: Reflects scheme rules and caps as at the publication date inside.
- Scope: General information to help you check eligibility — not personal financial advice.
Questions, answered
Is this financial advice?
No — general information only. It doesn't consider your circumstances. Confirm eligibility with the relevant scheme or a licensed broker.
Who is it for?
Australian first-home buyers trying to understand what grants and schemes they qualify for.
Does it cover my state?
Yes — it maps the federal schemes plus state-by-state grants and concessions.
How current is it?
It reflects caps and rules as at the publication date printed inside.
Can I get this for free?
The rules are public but scattered across many sites. You're paying to have them mapped in one place.
How do I receive it?
Instantly — a download link by email after checkout.
Is this a subscription?
No. One payment, one document.
Can I get a refund?
Yes — reply to your receipt within 7 days for a full refund.
Claim everything you're entitled to — before you sign
One clear map of the grants, concessions and schemes that apply to you.