government schemes and grants AUSTRALIA
MaximisE Your Property Opportunities
Buying or building a property doesn’t have to be out of reach. Across Australia, there are government schemes and grants designed to help you save money, lower upfront costs, and step into the market sooner. Whether you’re a first home buyer, investor, or building a new property, these incentives can make a significant difference to your budget.
At FINANS, we help you understand what’s available, confirm your eligibility, and integrate these benefits into your home loan application, so you get every dollar you’re entitled to.
Why Take Advantage of Property Grants & Schemes?
Save on Stamp Duty
Stamp duty can add tens of thousands to the cost of buying. Certain grants and concessions reduce or even remove this fee, putting more money back in your pocket.
First Home Buyer Support
Eligible first home buyers may access grants like the First Home Owner Grant (FHOG), which provides a cash boost for new homes and helps you enter the property market sooner.
Smaller Deposit Options
Through the First Home Guarantee (formerly FHLDS), buyers can purchase with as little as a 5% deposit without paying Lenders Mortgage Insurance (LMI).
Build or Renovate with Confidence
Schemes like the HomeBuilder grant provide financial assistance to those constructing a new home or undertaking major renovations.
Support for Single Parents
The Family Home Guarantee allows eligible single parents or single legal guardians to buy a home with just a 2% deposit, with no LMI.
How We Help You Access Grants & Schemes
Identify Eligibility
We break down which programs you qualify for based on your circumstances — whether you’re buying, building, or investing.
Maximise Savings
From stamp duty concessions to deposit assistance, we ensure government incentives are factored into your home loan, helping you save thousands.
Handle the Paperwork
We manage applications and supporting documents, so you don’t miss out on funds you’re entitled to.
Keep You Updated
Schemes change regularly. We provide ongoing updates to make sure you’re always aware of new grants or policy changes that could benefit you.
Popular Government Schemes & Grants
First Home Owner Grant (FHOG): A cash grant for eligible first-time buyers purchasing or building a new home.
First Home Guarantee: Buy with a 5% deposit and pay no LMI.
Stamp Duty Concessions: Save thousands through reduced or waived stamp duty.
HomeBuilder Grant: Financial support for building or substantially renovating a home.
Family Home Guarantee: Buy with a 2% deposit and avoid LMI (eligible single parents/guardians).
Why Work with FINANS for Grants & Schemes?
Navigating government incentives can be confusing. At FINANS, we cut through the complexity, ensuring you access every benefit available. With our expert guidance, you can:
Enter the market with a smaller deposit
Reduce upfront costs and long-term repayments
Confidently combine grants with the right home loan strategy
Ready to Make the Most of Government Support?
Government schemes and grants are there to make property ownership more affordable, but only if you know how to access them. With FINANS by your side, you’ll maximise savings, avoid costly mistakes, and step into the property market with confidence.
Contact us today to find out what grants and schemes you’re eligible for and start your property journey the smart way.
government schemes and grants FAQ
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First home buyers may be eligible for several programs including the First Home Owner Grant (FHOG), the First Home Guarantee (previously the First Home Loan Deposit Scheme), and state-based stamp duty concessions. These initiatives are designed to reduce upfront costs and make it easier to purchase your first property.
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The First Home Guarantee allows eligible buyers to purchase a property with as little as a 5% deposit without paying Lenders Mortgage Insurance (LMI). The government acts as a guarantor for part of the loan, helping you enter the property market sooner.
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The Family Home Guarantee supports eligible single parents and single legal guardians with at least one dependent child. It allows them to buy a home with as little as a 2% deposit without paying LMI, making homeownership more achievable for families with limited savings.
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Eligibility for the FHOG depends on the state or territory where you’re buying. Generally, you must be a first home buyer purchasing or building a brand-new property and meet residency and income requirements. The grant amount also varies by location.
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Yes, most states and territories offer stamp duty concessions or exemptions for first home buyers, depending on the property price and whether the home is new or established. For example, in Queensland, stamp duty is waived for eligible first home buyers under certain thresholds.
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Yes, in many cases you can combine the First Home Owner Grant, the First Home Guarantee, and stamp duty concessions, provided you meet all eligibility criteria. This can significantly reduce your upfront costs and boost your buying power.
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Most grants and schemes are designed for owner-occupiers, not investment properties. However, some programs support building new homes that you’ll live in for a minimum period before converting to investment use. We’ll help you understand the fine print before applying.
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Yes, many grants like the FHOG and First Home Guarantee apply to building new homes or purchasing house-and-land packages. You must meet eligibility requirements and ensure the build meets specific criteria set by your state.
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Applications are usually submitted through your lender or mortgage broker at the time of your home loan application. At FINANS, we handle the entire process for you, ensuring your grant or scheme application is completed correctly and on time.
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A mortgage broker understands the latest government policies and lender requirements. At FINANS, we assess your eligibility, apply on your behalf, and structure your loan so you maximise every benefit available to you.