How much is the First Home Owner Grant in NSW?

The First Home Owner Grant in New South Wales is $10,000 for new homes valued up to $600,000. The grant applies to newly built homes, substantially renovated homes, and off-the-plan purchases. It does not apply to established (existing) homes.

Can I get the FHOG for an existing home in NSW?

No. The NSW First Home Owner Grant only applies to new homes — newly constructed properties, substantially renovated homes, or off-the-plan purchases. If you are buying an existing established home, you may still qualify for the First Home Buyer Assistance Scheme, which provides stamp duty exemptions and concessions.

What is the property value cap for the FHOG in NSW?

The property value must not exceed $600,000 to qualify for the $10,000 First Home Owner Grant in NSW. For the separate First Home Buyer Assistance Scheme (stamp duty exemption), the cap is $800,000 for full exemption and $1,000,000 for a concession.

How do I apply for the First Home Owner Grant in NSW?

You can apply through Revenue NSW directly or, more commonly, through your lender or mortgage broker at the time of settlement. The grant amount is typically applied as a credit at settlement, reducing the amount you need to pay.

How much is the First Home Owner Grant in NSW?

The First Home Owner Grant in New South Wales is $10,000 for new homes valued up to $600,000. The grant applies to newly built homes, substantially renovated homes, and off-the-plan purchases. It does not apply to established (existing) homes.

Can I get the FHOG for an existing home in NSW?

No. The NSW First Home Owner Grant only applies to new homes — newly constructed properties, substantially renovated homes, or off-the-plan purchases. If you are buying an existing established home, you may still qualify for the First Home Buyer Assistance Scheme, which provides stamp duty exemptions and concessions.

What is the property value cap for the FHOG in NSW?

The property value must not exceed $600,000 to qualify for the $10,000 First Home Owner Grant in NSW. For the separate First Home Buyer Assistance Scheme (stamp duty exemption), the cap is $800,000 for full exemption and $1,000,000 for a concession.

How do I apply for the First Home Owner Grant in NSW?

You can apply through Revenue NSW directly or, more commonly, through your lender or mortgage broker at the time of settlement. The grant amount is typically applied as a credit at settlement, reducing the amount you need to pay.

First Home Owner Grant in New South Wales (NSW) — $10,000

The NSW First Home Owner Grant provides $10,000 for new homes up to $600,000. Learn eligibility criteria, how to apply, property value caps, and concurrent schemes like stamp duty exemptions.

Definition

New South Wales First Home Owner Grant

The New South Wales First Home Owner Grant is $10,000 for eligible first home buyers. New homes only — includes newly built homes, substantially renovated homes, and off-the-plan purchases.

Quick Facts

Grant Amount	$10,000
Property Value Cap	$600,000 for new homes
New or Existing	New homes only — includes newly built homes, substantially renovated homes, and off-the-plan purchases. Does not apply to established (existing) homes.
Residency Requirement	Must live in the property as your principal place of residence for a continuous period of at least 6 months, commencing within 12 months of completion or settlement
Legislation	First Home Owner Grant (New Homes) Act 2000 (NSW)
How to Apply	Apply through Revenue NSW or through your lender at the time of settlement. Most banks and mortgage brokers can process the application on your behalf.

Eligibility Criteria

To qualify for the First Home Owner Grant in New South Wales, you must meet all of the following criteria:

Age	Must be at least 18 years old
Citizenship	Australian citizen or permanent resident (at least one applicant)
Previous Ownership	Must not have previously owned residential property in Australia
Occupancy	Must move into the property within 12 months and live there for at least 6 continuous months

How to Apply

Apply through Revenue NSW or through your lender at the time of settlement. Most banks and mortgage brokers can process the application on your behalf.

Tip: Most lenders and mortgage brokers can process the FHOG application on your behalf at the time of settlement. The grant amount is typically credited at settlement, reducing the funds you need to bring to the table.

Other Schemes You Can Combine

First home buyers in New South Wales may also be eligible for these concurrent programs:

First Home Buyer Assistance Scheme — full stamp duty exemption for new and existing homes up to $800,000, and concessions for homes $800,001 to $1,000,000
First Home Buyer Choice (ended 30 June 2023) — previously allowed annual property tax instead of stamp duty
Home Guarantee Scheme (federal) — purchase with as little as 5% deposit without paying LMI
First Home Super Saver Scheme (federal) — withdraw voluntary super contributions for a deposit

Frequently Asked Questions — NSW First Home Owner Grant

FHOG in Other States

VIC— $10,000 QLD— $30,000 WA— $10,000 SA— $15,000 TAS— $30,000 ACT— No NT— $10,000

Read the full guide: First Home Buyer Guide Australia

Related Resources

Stamp Duty Exemptions for First Home Buyers — State-by-state breakdown of available exemptions and concessions.
Stamp Duty Calculator — Calculate your stamp duty liability including first home buyer concessions.
First Home Buyer Guide Australia — The complete guide covering the buying process, costs, and tips.
Borrowing Capacity Calculator — Estimate how much you can borrow based on your income and expenses.

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