How much is the First Home Owner Grant in Queensland?

The Queensland FHOG is $30,000 for buying or building a new home valued under $750,000, for eligible contracts signed by 30 June 2026 — it is scheduled to return to $15,000 for contracts after that date, so timing matters. Check current rules with the Queensland Revenue Office.

Do first home buyers pay stamp duty in Queensland?

For new builds: eligible first-home buyers pay no transfer duty on a new home or vacant land to build on (for contracts from 1 May 2025, with no price cap). For established homes: a first-home concession applies — broadly full relief up to $700,000, phasing out to $800,000. Eligibility and residence tests apply — confirm with the Queensland Revenue Office.

Can I combine the $30k grant, $0 duty and the Home Guarantee Scheme?

Yes — for an eligible new build they stack: the $30,000 FHOG, zero transfer duty and a 5% deposit under the HGS can all apply to the same purchase. Each scheme has its own eligibility tests, which is exactly what we check on a free first call.

FIRST HOME BUYERS · QUEENSLAND

Buying your first home in QLD? Australia's most generous stack.

Q: Can I buy in Brisbane with a 5% deposit?

Often, yes. Under the expanded Home Guarantee Scheme (from 1 October 2025) there are no income caps and no place limits, and the property price cap for Brisbane and major QLD centres is $1,000,000. You buy from a 5% deposit and pay no LMI because the government guarantees part of the loan.

Right now Queensland offers the biggest first-home support in the country: a $30,000 grant on new builds, zero transfer duty on new homes, and the 5%-deposit Home Guarantee Scheme. On a Morayfield or North Lakes build that can mean $45k+ of help — but one of these is on a clock. We arrange it end-to-end, in English, Nepali or Hindi.

Check what I qualify for — free Stamp-duty calculator

The QLD first-home stack

Three schemes. They combine.

Figures current at June 2026 — always confirmed against Queensland Revenue Office and Housing Australia rules before we lodge anything.

Grant · ⏰ timing matters

$30,000 First Home Owner Grant

For buying or building a new home under $750k — for eligible contracts signed by 30 June 2026. It's scheduled to return to $15,000 after that, so if you're close to signing, the date is worth real money.

Transfer duty

$0 duty on new builds

First-home buyers pay no transfer duty on a new home or land to build on (contracts from 1 May 2025 — no price cap). Buying established? A concession still applies: broadly full relief to $700k, phasing out at $800k.

Deposit

5% deposit, no LMI

Under the expanded Home Guarantee Scheme (since 1 Oct 2025): no income caps, no place limits, Brisbane price cap $1.0M. The government guarantees part of the loan so you skip LMI entirely.

Also worth knowing: Help to Buy — the national shared-equity scheme — can lower the bar further for eligible buyers (income and price caps apply). And if you're building, the loan itself works differently — see our construction loan guide.

Worked example

A $650k new build in Moreton Bay.

Say you're buying a house-and-land package in Morayfield, Burpengary or Griffin for $650,000 as your first home, contract signed before 30 June 2026. Here's how Queensland's stack lands.

Indicative only — actual eligibility depends on your income, the property, contract dates and the lender. We run your exact scenario before anything is lodged.

Worked example — $650k new build (QLD)

Purchase price$650,000

Transfer duty (standard)~$15,100

Transfer duty (FHB, new build)$0

FHOG (new build, by 30 Jun 2026)+ $30,000

Deposit needed (HGS, 5%)$32,500 — no LMI

You keep upfront~$45,000+

Where we help in Queensland

Local pages for QLD suburbs we serve.

Fully online Australia-wide — phone, video and secure document upload, in English, Nepali or Hindi.

Morayfield North Lakes Mango Hill Griffin Caboolture Burpengary Kallangur Springfield Lakes Spring Mountain Sunnybank All areas →

QLD first-home questions

Straight answers.

How much is the First Home Owner Grant in QLD?

$30,000 for buying or building a new home under $750,000 — for eligible contracts signed by 30 June 2026. It's scheduled to return to $15,000 for contracts after that date, so timing matters. We confirm against current Queensland Revenue Office rules.

Do first home buyers pay stamp duty in QLD?

Not on new builds — for contracts from 1 May 2025, eligible first-home buyers pay no transfer duty on a new home or vacant land to build on, with no price cap. Established homes get a concession: broadly full relief to $700k, phasing out at $800k. Residence and eligibility tests apply.

Can I buy in Brisbane with a 5% deposit?

Often yes — the expanded Home Guarantee Scheme has no income caps or place limits since 1 Oct 2025, and the Brisbane price cap is $1,000,000. You buy from 5% deposit with no LMI.

Can I combine all three?

Yes — for an eligible new build the $30k grant, $0 duty and the 5%-deposit guarantee can all apply to the same purchase. Each has its own tests — that's what the free first call sorts out.