First-home buyers · Australia-wide

Know your numbers before you fall in love with a property.

Start by checking the grant in the state or territory where you plan to buy. Ferdi can then help turn the grant, deposit, costs and borrowing range into one practical plan.

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Individual experiences differ; lending outcomes and timelines vary.

First Home Owner Grant by state

Choose where you plan to buy before relying on a grant figure.

Grant amounts, eligible property types, price caps and contract dates differ across Australia. Use this as a starting point, then confirm your eligibility before committing.

Checked 26 August 2026

Grant by property location

Choose your state or territory.

FHOG is not one national program. Amounts, property types, price caps and contract dates differ.

Where are you planning to buy?

Select the property location to see the main program and its official government link.

General guide only · Checked 26 August 2026 · Programs can change and eligibility must be confirmed with the official authority before you rely on a grant.

Australia-wide programs worth checking too

From 5%

Government 5% Deposit Scheme

Eligible first-home buyers may purchase with a minimum 5% deposit, no income cap, no waiting list and no LMI. Location price caps apply.

Check Australian Government eligibility

Up to $50k

First Home Super Saver Scheme

Eligible buyers may release voluntary super contributions toward a first-home deposit, subject to annual and total contribution limits.

Check Australian Taxation Office eligibility

From 2%

Help to Buy shared equity

Eligible buyers may purchase with a minimum 2% deposit while the Government contributes part of the purchase price. Income and location price caps apply.

Check Australian Government eligibility

General information only. Eligibility and lending criteria apply. Always confirm current rules before committing to a purchase.

The four-number check

A realistic budget is more than borrowing power.

Before viewing property seriously, we help you understand four numbers together, not in isolation.

Borrowing range

What lenders may offer based on income, expenses, debts and policy.

Usable deposit

Your savings after keeping aside purchase costs and a sensible buffer.

Upfront costs

Duty, conveyancing, inspections, lender costs and moving expenses.

Comfortable repayment

What works in your real life, not simply the maximum available.

Your first-home roadmap

Five stages. Your broker stays with you.

You can begin months before you plan to buy. Early preparation is often the easiest way to create more options later.

1
Prepare
Review savings, spending, existing debts and your likely purchase timing.
2
Set the range
Estimate borrowing capacity, cash required and comfortable repayments.
3
Compare
Research suitable lender policy and loan options for your circumstances.
4
Get purchase-ready
Arrange pre-approval where appropriate and understand its conditions.
5
Apply and settle
Coordinate the application, valuation, approval and settlement milestones.

Avoidable surprises

Four mistakes that can make buying harder.

Searching before setting a real budget

An online calculator is a starting point, not a lender decision or a comfortable repayment test.

Using every dollar as the deposit

Keep purchase costs, moving expenses and an emergency buffer in the plan.

Changing jobs or taking new credit mid-process

A new car loan, credit card or employment change can alter a lender assessment.

Assuming all lenders assess you the same way

Income types, expenses, debts and genuine-savings rules can be treated differently.

Your next useful step

Find out what “ready to buy” looks like for you.

Start my quick enquiry ferdi@audfinance.com.au