FIRST HOME BUYERS

Every scheme, one place.

Six NSW and Commonwealth schemes that can reduce what you pay for your first home. Each page explains the scheme, checks your eligibility, and lists Sydney suburbs that fit.

NSW

First Home Buyers Assistance Scheme

Full stamp duty exemption up to $800,000, concession to $1,000,000.

NSW

First Home Owner Grant (New Homes)

$10,000 grant for new homes up to $600,000 or house-and-land packages up to $750,000.

Commonwealth

First Home Guarantee

Buy with 5% deposit, no LMI. NSW metro cap $1,500,000. Unlimited places from 1 October 2025.

Commonwealth

Help to Buy

Government takes up to 40% equity share. Income cap single $100,000, joint $160,000.

Commonwealth

First Home Super Saver Scheme

Salary-sacrifice up to $15,000/year into super for a deposit. Lifetime release cap $50,000.

Commonwealth

Family Home Guarantee

Single parents buy with 2% deposit, no LMI. No income cap from 1 October 2025.