First Home Buyer Calculator
Calculate grants, stamp duty exemptions and savings schemes available to first home buyers in each state.
Disclaimer
This calculator provides estimates for general information purposes only. Results should not be relied upon as professional financial, tax, or legal advice. Tax rates and thresholds are based on publicly available ATO data and may change. Always consult a qualified tax agent or financial adviser for advice specific to your circumstances.
Frequently Asked Questions
What is the First Home Owner Grant (FHOG)?
Do first home buyers get stamp duty exemption?
What is First Home Buyer?
First home buyer benefits in Australia include the First Home Owner Grant (FHOG), stamp duty exemptions, and the First Home Super Saver Scheme (FHSSS). Eligibility and amounts vary by state.
How this calculator works
This calculator checks your eligibility for first home buyer benefits in your chosen state. It looks up the FHOG amount (ranging from $7,000 in ACT to $30,000 in QLD and TAS), checks whether your property price qualifies for stamp duty exemption or concession, estimates Lenders Mortgage Insurance if your deposit is below 20%, and calculates your total savings compared to a standard buyer. The LVR (Loan-to-Value Ratio) indicator shows your risk level.
All calculations are performed in your browser — your data never leaves your device. Results are for general guidance only and should not be considered professional financial advice.
Built and maintained by Konstantin Iakovlev. Data sourced from the ATO and official Australian government sources.