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Queensland & Federal Schemes

First Home Owner Grant Queensland: Every Scheme & How to Claim Them

The Queensland First Home Owner Grant pays $30,000 on new builds. Stack it with the First Home Guarantee (5% deposit, no LMI) and stamp duty concessions and most Springfield Central and Ipswich buyers are looking at $40,000–$50,000 in combined benefit.

$30,000
QLD FHOG Grant
5%
Minimum Deposit
$8,750
Stamp Duty Saved

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.

Most Popular for Springfield Central & Ipswich buyers
QLD Government

First Home Owner Grant (FHOG)

$30,000one-time payment

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)
How to apply: Applied through your lender at settlement. We handle the paperwork for you.
Queensland Revenue Office
Federal Government

First Home Guarantee (FHBG)

5% depositno LMI required

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
How to apply: Applied through an approved lender. We work with multiple FHBG-approved lenders.
Housing Australia
Federal Government

Regional Home Guarantee

5% depositfor regional buyers, no LMI

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
How to apply: We'll check if your target suburb qualifies and match you with an approved lender.
Housing Australia
QLD Government

First Home Concession: Stamp Duty

Up to $8,750stamp duty saved

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
How to apply: Claimed at settlement through your solicitor/conveyancer. We help coordinate the process.
Queensland Revenue Office

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.

QLD First Home Owner Grant (new build under $750k)+$30,000
First Home Guarantee (no LMI on 5% deposit)+~$18,000
Stamp Duty Concession (over $550k, not applicable)$0 saved
Potential total benefit~$48,000+

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 about Queensland grants

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.

Related resources

First Home Buyers Service
How we help you buy your first home
Get Pre-Approved
Confirm your borrowing power before you buy
Buying a Home Guide
Step-by-step from offer to settlement
What is LMI?
How Lenders Mortgage Insurance works and how to avoid it
Stamp Duty Calculator
Calculate your exact stamp duty
Borrowing Power Calculator
See how much you can borrow

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.

Check My Eligibility07 4599 4601