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 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 — around $750k in the Perth metro area). Established homes don’t get the grant, but they do get the duty help below.
$0 duty up to $450k
Under the First Home Owner Rate, eligible buyers pay no transfer duty up to $450,000 and a concessional rate up to $600,000 in the metro area (regional thresholds differ). Vacant land has its own concession tiers.
5% deposit, no LMI
Under the expanded Home Guarantee 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 $450k first home in Perth’s south.
Say you’re buying your first home for $450,000 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 — $450k 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 (around $750,000 in the Perth metro area, 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 $450,000 — the First Home Owner Rate gives a full exemption there, with a concessional rate up to $600,000 in the metro area (regional thresholds differ, and vacant land has its own tiers). Above the caps, normal duty applies. We confirm against current RevenueWA rules.
Can I buy in Perth with a 5% deposit?
Often yes — the expanded Home Guarantee 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 $450k 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.