The NSW First Home Owner Grant (New Homes) scheme is a NSW state government initiative to help first home owners to get their ‘new’ first home sooner. It is an amount of money paid by the NSW government to eligible first home owners.

Learn more about the NSW FHOG as well as other NSW government assistance for first home buyers below.

Check Eligibility

Use our FHBA eligibility estimator to see exactly what incentives you may be eligible for in your desired suburb/postcode


Our FHBA Coaches will know exactly what you are eligible for and will guide you on your eligible Government incentives


 If you are busy, why not download your free State Incentives Guide for the state you wish to buy your first home

How much is the NSW First Home Owners Grant (NSW FHOG)?

The NSW FHOG is $10,000 for eligible first home buyers who signed a contract after 1 January 2016. Please note the following caps apply:

  • For a new home purchase the value cannot exceed $600,000
  • For a property where you enter into a contract to build or are an owner builder the total value cannot exceed $750,000

Important Tip: Grants and Concessions tend to change at short notice, therefore please double check with your State government what is available in your area before buying your first home!

First home buyers are generally eligible for the $10,000 NSW FHOG if they meet the following criteria:

  • The contract date must be on or after 1 January 2016
  • The home is a brand ‘new’ home
  • You must be over 18
  • Your or your spouse have never held a relevant interest in any residential property in Australia prior to 1 July 2000 (however, you may be eligible if you or your spouse, including de facto spouse, have only had a relevant interest in any residential property in Australia on or after 1 July 200 and you have not resided in that property for a continuous period of at least 6 months)
  • The value of the property must not exceed the FHOG Caps
  • You have not received a FHOG in any State or Territory (unless subsequently repaid).
  • You need to live in the home for a continuous period of at least 6 months
  • At least one applicant must be a permanent resident or Australian citizen
  • Each applicant must be a natural person and not a company or trust

new home is a home that has not been previously occupied or sold as a place of residence and includes a home that is a substantially renovated and a home built to replace demolished premises.

Generally speaking, when you purchase a property you have to pay a state tax known as transfer duty (or stamp duty). However, as a first home buyer, you may also be entitled to the First Home Buyers Assistance scheme (NSW) which commenced on 1 July 2017. This scheme provides eligible first home buyers with:

  • An exemption from transfer duty on ‘new’ and ‘existing’ homes valued up to $800,000;
  • A concession on transfer duty on ‘new’ and ‘established’ homes valued between $800,000 & $1,000,000.

Eligible first home buyers purchasing vacant block of residential land to build a home on will pay no transfer duty on vacant land valued up to $350,000. Concessions apply for vacant land valued between $350,000 and $450, 000.

Other eligibility requirements are similar to the FHOG requirements outlined above. Your qualified FHBA Mortgage Broker will go through the full eligibility criteria and process with you.

Please note, if you are an eligible first home buyer, but the person you are purchasing with is not (e.g. your partner has owned an investment property previously) you may still be eligible for a smaller concession under the ‘Shared Equity Arrangements’. Ask your FHBA Coach or Broker for details. Under the NSW Government scheme the NSW Govt will contribute up to 40% of a new home and 30% for an existing dwelling, allowing you to get a mortgage with a deposit as little as 2%. This applies to low income earners and single parents.

Applying for the FHOG and / or various duty concessions can be a little tricky. While you can check eligibility and apply online by yourself, we recommend you apply through the assistance of one of our FHBA Mortgage Brokers.

Our FHBA Mortgage Brokers are not only experts at finance matters such as home loans and the FHOG, but they are also experienced in helping first home buyers everyday. Our service is free of charge (should you proceed with a home loan option through us). We can check your eligibility, apply on your behalf and be with you every step, providing you with peace of mind that you haven’t missed a thing.

  • To learn more about our FHBA Mortgage Broking service and have one of our experts assist you with your application, please visit our FHBA Mortgages home page.
  • To apply online by yourself visit the NSW Government website and follow their instructions carefully.

As Australia’s premier first home buyer organisation we have access to hundred’s of FHOG eligible homes, from house & land packages through to townhouses, apartments and more.

Called FHBA New Homes, our new homes search service involves us connecting you with leading property developers, builders and real estate experts to help you find and secure your first home. Meanwhile, your FHBA Coach stay’s by your side every step of the way.

Plus, if you purchase your FHOG eligible home through our FHBA New Homes service you could be eligible for the FHBA 50 Rebate (in addition to any government entitlements you may be eligible for such as the FHOG!).

If you haven’t been introduced to FHBA Coach yet send us an email ( or complete the enquiry form and one of our friendly FHBA Coaches will be in touch to provide you with a free Discovery Session.

There are no grants for NSW first home buyers purchasing an established dwelling. However, you may still be eligible for transfer duty concessions outlined above.

Our FHBA Coaches can help first home buyers with established property purchases – get in touch today for a free Discovery Session!


FHBA’s new & innovative Eligibility Estimator allows you to self-estimate how your savings are tracking and whether you have enough saved to qualify for a home loan. Upon completion, we will instantly send you a complimentary Australian Property Monitors Postcode Report (Valued at $39.95)

Check how your tracking in 60 seconds!

Disclaimer: The FHBA Eligibility Estimator is intended as an approximate guide only. It uses a mixture of the data you input, median property prices from APM PriceFinder and estimated purchasing costs. You should not rely on the results of the Eligibility Estimator. Please contact an FHBA Coach who can arrange a more comprehensive estimate and advice based on your personal circumstances from a licensed professional.



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