First Home Buyer Grants & Schemes in Queensland
From the $30,000 FHOG to zero-LMI deposits. Here's every government scheme available to first home buyers in Queensland in 2025, and how to claim them.
Always verify current eligibility: Grant amounts, income caps, and property price thresholds are set by government and can change. This page reflects information current at the time of publication. Contact us or visit the official government links below to confirm current figures before making any decisions.
Available grants & schemes
Many first home buyers qualify for multiple schemes simultaneously. We'll map out exactly what you're eligible for at no cost.
First Home Owner Grant (FHOG)
A $30,000 cash grant for eligible first home buyers purchasing or building a new home in Queensland.
You qualify if…
- Australian citizen or permanent resident
- At least 18 years old
- Never owned property in Australia
- Purchasing or building a new home (not established)
- Property value up to $750,000
- Must live in property for at least 6 months
You don't qualify if…
- Buying an established (second-hand) home
- Property value over $750,000
- Previously owned property anywhere in Australia
- Investment properties (property must be your home)
First Home Guarantee (FHBG)
Buy your first home with just a 5% deposit and no Lenders Mortgage Insurance (LMI). The government guarantees up to 15% of the loan, saving you thousands.
You qualify if…
- Australian citizen or permanent resident
- Singles earning under $125,000/year
- Couples earning under $200,000/year combined
- First home buyer (never owned Australian property)
- Property price caps apply by region (Brisbane: $700,000)
- Limited places each financial year
You don't qualify if…
- Non-citizens or non-permanent residents
- Income above the thresholds
- Investment property purchases
- Previous property owners
Regional Home Guarantee
Similar to the First Home Guarantee but specifically for buyers purchasing in regional areas. Springfield Central and Ipswich may qualify.
You qualify if…
- Australian citizen (not just permanent residents)
- Must not have owned property in Australia in last 5 years
- Property must be in a regional area
- Income caps same as First Home Guarantee
- Property must be new or newly built
You don't qualify if…
- Major capital city purchases (CBD areas)
- Established homes in some locations
- Previous owners within the last 5 years
First Home Concession: Stamp Duty
Queensland offers a full stamp duty concession for first home buyers on homes under $500,000, and partial concessions up to $550,000.
You qualify if…
- First home buyer (never owned before)
- Australian citizen or permanent resident
- Property under $500,000: full concession
- Property $500,000–$550,000: partial concession
- Must move in within 1 year of settlement
- Must live there for at least 1 year
You don't qualify if…
- Properties over $550,000
- Investment purchases
- Previous property owners
- Vacant land without intention to build
Can you combine grants?
Yes. Many Queensland first home buyers can stack multiple schemes for maximum benefit.
Example: New townhouse or unit, Greater Springfield area (~$700k)
Note: house-and-land packages in Springfield Central now typically run $1.1M–$1.3M+, which exceeds both the $750k FHOG cap and the $700k First Home Guarantee cap. Units, townhouses, and smaller new builds are more likely to qualify.
Illustrative example only. Eligibility and amounts vary by individual circumstances. LMI saving is an estimate based on a 5% deposit on a $700,000 property. Speak with us about your specific property and situation.
Common questions
Can I stack the FHOG and First Home Guarantee together?
Yes, in many cases you can combine the $30,000 FHOG grant with the First Home Guarantee (5% deposit, no LMI). This is one of the most powerful combinations available to Queensland first home buyers. We'll check your eligibility for both and structure your application to maximise what you receive.
Does the FHOG apply to established homes?
No. The Queensland FHOG is only available for new homes: either newly built homes, off-the-plan purchases, or owner-built homes. It does not apply to established (second-hand) properties. If you're buying an established home, you may still qualify for stamp duty concessions.
What's the property price cap for the FHOG in Queensland?
The FHOG applies to new homes valued up to $750,000 in Queensland. For house-and-land packages, it's the total combined value of land and build. Be aware that current house-and-land package prices in Springfield Central typically run $1.1M–$1.3M+, which puts them above this cap. Units, townhouses, and smaller new builds in the area are more likely to fall under the threshold.
How do I apply for the FHOG?
You apply through your lender at settlement: you don't need to apply separately to the government. We handle the paperwork and lodge the grant application on your behalf as part of your loan application.
Are grant amounts and eligibility subject to change?
Yes. Government grants and schemes are set by state and federal governments and can change. We always verify current eligibility criteria and amounts before your application. The figures on this page are current as of our last update. Contact us for the most up-to-date information.
Check your grant eligibility: it takes 10 minutes
We'll map out exactly which grants and schemes you qualify for, at no cost. Most Springfield Central and Ipswich buyers qualify for multiple schemes.