Buying your first home in WA? Here’s what you can stack.
Western Australia’s first-home support comes in three layers — the $10k grant, the First Home Owner Rate of duty, and the 5%-deposit Australian Government 5% Deposit Scheme (formerly the Home Guarantee Scheme). Get the combination right and a Baldivis or Canning Vale first home can cost tens of thousands less upfront. We arrange it end-to-end, in English, Nepali or Hindi.
Three schemes. They combine.
Figures current at June 2026 — always confirmed against RevenueWA and Housing Australia rules before we lodge anything.
$10,000 First Home Owner Grant
For buying or building a new home (value caps apply by region — up to $800k south of the 26th parallel, including Perth). Established homes don’t get the grant, but they do get the duty help below. Grant rules explained →
$0 duty up to $600k
Under the First Home Owner Rate, eligible buyers pay no transfer duty up to $600,000 and a concessional rate up to $800,000 — for agreements entered into from 7 May 2026, with the same thresholds in Perth and regional WA. Vacant land is exempt to $450,000, with a concession to $550,000.
5% deposit, no LMI
Under the expanded 5% Deposit Scheme (since 1 Oct 2025): no income caps, no place limits, Perth price cap $850k. The government guarantees part of the loan so you skip LMI entirely.
A $600k first home in Perth’s south.
Say you’re buying your first home for $600,000 around Baldivis, Armadale or Thornlie. Here’s how WA’s stack lands — and if you build new, the $10k grant comes on top.
Indicative only — actual eligibility depends on your income, the property and the lender. We run your exact scenario before anything is lodged.
Worked example — $600k first home (WA)
Local pages for WA suburbs we serve.
Fully online Australia-wide — phone, video and secure document upload, in English, Nepali or Hindi.
Straight answers.
How much is the First Home Owner Grant in WA?
$10,000 for buying or building a new home — with value caps that differ by region (up to $800,000 south of the 26th parallel, including Perth, and higher in the north of the state). New homes only; established homes don’t attract the grant but can still get the First Home Owner Rate of duty.
Do first home buyers pay stamp duty in WA?
Not up to $600,000 — for agreements from 7 May 2026 the First Home Owner Rate gives a full exemption, with a concessional rate up to $800,000, the same in Perth and regional WA (vacant land has its own tiers). Above the caps, normal duty applies. We confirm against current RevenueWA rules. WA stamp duty calculator and rates →
Can I buy in Perth with a 5% deposit?
Often yes — the expanded 5% Deposit Scheme has no income caps or place limits since 1 Oct 2025, and the Perth price cap is $850,000. You buy from 5% deposit with no LMI.
Can I combine all three?
Yes — if you’re eligible for each, they stack: a new build under $600k can get the $10k grant, $0 duty and the 5%-deposit guarantee at once. Each has its own tests — that’s what the free first call sorts out.
Find out what you’d actually get.
One free call: your realistic deposit, the schemes you qualify for, and the lenders that fit — in dollars, not jargon. English, Nepali or Hindi.