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First Home Buyer Grants QLD 2026: The Complete Guide

Everything Brisbane First Home Buyers Need to Know About QLD Grants in 2026

If you are buying your first home in Queensland, the first home buyer grants QLD offers in 2026 are among the most generous in the country. Between a $30,000 cash grant, zero stamp duty on new homes, and a 5% deposit scheme with no LMI, eligible buyers can save well over $60,000.

Quick Summary

In 2026, QLD first home buyers can combine a $30,000 grant, $0 stamp duty on new homes and a 5% deposit scheme - often worth $60,000+ together.

The catch is that each scheme has its own rules, price limits and application steps, and the wrong combination can cost you money. This guide breaks down every grant available to Brisbane and Queensland first home buyers right now, and shows you how to stack the ones you qualify for.

A Loan For You helps Brisbane first home buyers confirm eligibility across every scheme, work out which ones stack, and coordinate the paperwork with your lender and conveyancer - at no cost to you. Start with a free first home buyer assessment.

Key Highlights

  • Queensland first home buyers building or buying a new home under $750,000 can access a $30,000 First Home Owner Grant. The 2026-27 QLD Budget continued the $30,000 amount for contracts from 1 July 2026 - it no longer drops to $15,000.
  • From 1 May 2025, first home buyers pay $0 stamp duty on a new home or vacant land in Queensland, with no price cap.
  • On established homes, a full stamp duty concession applies up to $700,000, with a partial concession between $700,000 and $800,000.
  • The federal First Home Guarantee lets eligible buyers purchase with a 5% deposit and no Lenders Mortgage Insurance.
  • Since 1 October 2025 the First Home Guarantee has no income caps and no place limits. Price caps are $1,000,000 for Brisbane, Gold Coast and Sunshine Coast, and $700,000 elsewhere in QLD.
  • Single parents may buy with just a 2% deposit and no LMI under the Family Home Guarantee.
  • The Boost to Buy shared-equity scheme lets the QLD Government contribute up to 30% of a new home, with only a 2% deposit.
  • Many schemes stack. A new-home buyer can combine the FHOG, the stamp duty exemption and the First Home Guarantee for tens of thousands in savings.

Quick Summary

In 2026, Queensland first home buyers can combine a $30,000 First Home Owner Grant, $0 stamp duty on new homes, and a 5% deposit First Home Guarantee with no LMI. Stacked correctly, these first home buyer grants QLD schemes can save you well over $60,000.

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Kayley Rain
First Home Buyer Grants QLD - a new Queensland home with a $30,000 first home owner grant concept

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Key Highlights

  • Queensland first home buyers building or buying a new home under $750,000 can access a $30,000 First Home Owner Grant. The 2026-27 QLD Budget continued the $30,000 amount for contracts from 1 July 2026 - it no longer drops to $15,000.
  • From 1 May 2025, first home buyers pay $0 stamp duty on a new home or vacant land in Queensland, with no price cap.
  • On established homes, a full stamp duty concession applies up to $700,000, with a partial concession between $700,000 and $800,000.
  • The federal First Home Guarantee lets eligible buyers purchase with a 5% deposit and no Lenders Mortgage Insurance.
  • Since 1 October 2025 the First Home Guarantee has no income caps and no place limits. Price caps are $1,000,000 for Brisbane, Gold Coast and Sunshine Coast, and $700,000 elsewhere in QLD.
  • Single parents may buy with just a 2% deposit and no LMI under the Family Home Guarantee.
  • The Boost to Buy shared-equity scheme lets the QLD Government contribute up to 30% of a new home, with only a 2% deposit.
  • Many schemes stack. A new-home buyer can combine the FHOG, the stamp duty exemption and the First Home Guarantee for tens of thousands in savings.

Quick Summary

In 2026, Queensland first home buyers can combine a $30,000 First Home Owner Grant, $0 stamp duty on new homes, and a 5% deposit First Home Guarantee with no LMI. Stacked correctly, these first home buyer grants QLD schemes can save you well over $60,000.

“Discover how modern construction and factory technologies are transforming the industry. From automation and robotics to sustainable materials, learn the strategies that boost efficiency, safety, and sustainability in industrial projects.”

Kayley Rain

All First Home Buyer Schemes in QLD at a Glance

SchemeMaximum benefitMin depositKey condition
QLD First Home Owner Grant$30,000 cashN/ANew homes only, under $750,000
Stamp duty exemption (new)Full exemption, no capN/ANew homes & vacant land, from 1 May 2025
Stamp duty concession (established)Up to ~$17,000N/AEstablished homes under $800,000
First Home GuaranteeNo LMI on 5% deposit5%Price caps apply
Regional Home GuaranteeNo LMI on 5% deposit5%Regional QLD only
Family Home GuaranteeNo LMI on 2% deposit2%Single parents / guardians
First Home Super SaverWithdraw up to $50,000N/ASave a deposit via super
Boost to Buy (QLD)Up to 30% govt equity2%Income caps, up to $1M
First Home Buyer Grants QLD - coins and a small house model representing first home buyer schemes
First Home Buyer Grants QLD - a Brisbane home with a first home grants and savings concept

The Queensland First Home Owner Grant (FHOG)

The Queensland First Home Owner Grant is a one-off cash payment to eligible first home buyers building or buying a brand-new home. In 2026 it is worth $30,000, paid at settlement through the Queensland Revenue Office by your lender.

Importantly, the 2026-27 Queensland Budget continued the $30,000 grant for eligible contracts signed from 1 July 2026, so it no longer reverts to $15,000 as previously planned. The grant is not means-tested, so your income does not affect eligibility.

Who Qualifies for the FHOG?

  • At least one applicant is an Australian citizen or permanent resident, aged 18 or over.
  • Neither you nor your partner has previously owned a home in Australia that you lived in.
  • Neither of you has received a First Home Owner Grant in any state before.
  • The property is a brand-new home, never previously occupied or sold as a residence.
  • The total value, including land, is under $750,000.
  • You move in within 12 months and live there for at least 6 continuous months.

New Homes Only

The FHOG applies only to new homes. That includes house-and-land packages, off-the-plan units, owner-built homes, and substantially renovated homes sold as new. Established homes do not qualify for the grant, though they may still attract stamp duty concessions.

The grant is not your deposit. It is paid at settlement, so you still need genuine savings available when you sign the contract. Some lenders count the incoming grant in your overall position, but it cannot replace your deposit.

Stamp Duty Concessions for First Home Buyers in QLD

Queensland overhauled its first home buyer stamp duty rules from 1 May 2025. What you pay now depends on whether you are buying a new or an established home.

New Homes and Vacant Land

First home buyers purchasing a new home, or vacant land to build on, pay zero stamp duty in Queensland, with no price cap. Whether the new build is $450,000 or $850,000, the transfer duty is nil.

Established Homes

  • Under $700,000: a full first home concession applies, saving roughly $17,000 versus a standard buyer.
  • Between $700,000 and $800,000: a partial concession applies on a sliding scale.
  • $800,000 and above: standard transfer duty rates apply.
Use our stamp duty calculator to see exactly what you will pay, or save, at any Brisbane purchase price.
Purchase priceStandard buyer paysFirst home buyer (new) paysFHB saving
$500,000$8,750$0$8,750
$650,000$12,475$0$12,475
$800,000$16,600$0$16,600
$1,000,000$22,975$0$22,975

The First Home Guarantee: Buy in Brisbane with a 5% Deposit

The First Home Guarantee is a federal scheme that lets eligible first home buyers purchase with just a 5% deposit and pay no Lenders Mortgage Insurance. The government guarantees the gap to 20%, so the lender treats your loan like an 80% deposit loan.

The scheme was expanded significantly from 1 October 2025:

  • No income caps - the old $125,000 single and $200,000 couple limits are gone.
  • No limit on places - the annual cap has been removed entirely.
  • Both new and established homes are eligible.

Price Caps in Queensland

  • Brisbane, Gold Coast and Sunshine Coast: up to $1,000,000.
  • Rest of Queensland: up to $700,000.

LMI on a $700,000 loan with a 5% deposit can cost $20,000 to $28,000 – the guarantee wipes that out. Check what deposit you need with our deposit calculator.

The First Home Guarantee is applied for through an approved panel lender, not directly with Housing Australia. Your broker will know which lenders participate and can confirm your place before you sign.

Regional First Home Buyer Guarantee

The Regional First Home Buyer Guarantee works the same way – a 5% deposit with no LMI – but is for buyers outside the major cities. In Queensland that means outside Brisbane, the Gold Coast and the Sunshine Coast, with a $700,000 price cap.

For buyers in Ipswich, Toowoomba, Cairns, Townsville and other regional centres, it combines neatly with the FHOG and the stamp duty exemption.

The Family Home Guarantee: 2% Deposit for Single Parents

The Family Home Guarantee is for eligible single parents or guardians of at least one dependent child. It allows a purchase with as little as a 2% deposit and no LMI.

  • You are a single parent or guardian of at least one dependent child.
  • You buy the property as your main home.
  • You may qualify even if you previously owned a home, unlike the standard guarantee.

The Family Home Guarantee: 2% Deposit for Single Parents

The Family Home Guarantee is for eligible single parents or guardians of at least one dependent child. It allows a purchase with as little as a 2% deposit and no LMI.

  • You are a single parent or guardian of at least one dependent child.
  • You buy the property as your main home.
  • You may qualify even if you previously owned a home, unlike the standard guarantee.

The Boost to Buy Scheme (QLD Shared Equity)

Boost to Buy is a Queensland shared-equity scheme that helps first home buyers with a small deposit but a solid income. The government takes an equity share in your home in exchange for helping you buy it.

  • New homes: the government contributes up to 30% of the purchase price.
  • Existing homes: it contributes up to 25%.
  • You need a minimum 2% deposit on properties up to $1,000,000.
  • No interest is charged; you repay the government's share when you sell or refinance.

Boost to Buy Eligibility

  • You are a first home buyer purchasing in Queensland.
  • Single income up to $150,000, or up to $225,000 for couples or singles with dependants.
  • The property is worth up to $1,000,000 and becomes your main home.
Boost to Buy is shared equity, so the government shares in any gain or loss when you sell. Places are released in batches through approved lenders. Confirm current availability and get independent advice before applying.

The First Home Super Saver Scheme (FHSS)

The First Home Super Saver Scheme lets you save for a deposit inside your superannuation, where contributions are taxed at a lower rate. You make extra voluntary contributions, then withdraw them plus deemed earnings when you are ready to buy.

  • You can contribute up to $15,000 of voluntary contributions per year toward the scheme.
  • You can withdraw up to $50,000 in total contributions, plus the associated earnings.
  • The lower tax rate inside super can leave you with more deposit than a regular savings account.

The FHSS runs alongside the other first home buyer grants QLD schemes, so you can build your deposit through super and still claim the FHOG and stamp duty exemption when you buy your new home.

How to Stack First Home Buyer Grants QLD

The biggest wins come from combining schemes. Here is what a first home buyer purchasing a new $700,000 house-and-land package in Brisbane could achieve by stacking the First Home Guarantee, the FHOG and the stamp duty exemption.

Combined, the stamp duty exemption, waived LMI and the $30,000 grant can be worth more than $70,000 on a new build. That can turn years of extra saving into a purchase you can make this year.

ItemWithout schemesWith schemes stacked
Purchase price$700,000$700,000
Deposit required$140,000 (20%)$35,000 (5%)
Stamp duty~$21,850$0 (new home exemption)
LMI$21,000 - $28,000$0 (First Home Guarantee)
First Home Owner GrantN/A-$30,000 at settlement
Net cash above deposit~$43,000 - $50,000~$5,000 - $8,000
The $30,000 grant is paid at settlement, not upfront, so you still need the 5% deposit ($35,000 here) available when you sign. Talk to a broker about sequencing your funds correctly.

How to Apply for First Home Buyer Grants QLD

Applying for the first home buyer grants QLD schemes is mostly handled by your broker, lender and conveyancer. Here is who lodges what, and when.

  • First Home Owner Grant: your lender or broker lodges it with your loan documents; it is paid at settlement.
  • Stamp duty concession: applied automatically at settlement through your conveyancer's transfer duty return.
  • First Home Guarantee: applied for through an approved panel lender; your broker confirms a place before you sign.
  • Boost to Buy: lodged through an approved lender as part of your home loan application, subject to availability.

Common Eligibility Traps to Avoid

A few common mistakes can quietly disqualify you from a grant or the guarantee. Check these carefully before you sign a contract or pay a deposit.

  • Previously owning a home you lived in usually disqualifies you, even briefly and even interstate.
  • Receiving a First Home Owner Grant before, in any state, rules you out of the QLD grant.
  • Owning an investment property can affect the federal guarantee even if you never lived in it - the rules differ from the state grant.
  • Inheriting a property and going on the title can affect eligibility; get legal advice.
  • Not moving in within 12 months, or renting it out first, can force you to repay the grant.

Frequently Asked Questions

What grants are available for first home buyers in QLD in 2026?

In 2026, Queensland first home buyers can access the $30,000 First Home Owner Grant on new homes, a full stamp duty exemption on new builds, the federal First Home Guarantee (5% deposit, no LMI), the Regional and Family Home Guarantees, and the Boost to Buy shared-equity scheme.

The Queensland First Home Owner Grant is $30,000 for eligible new homes under $750,000. The 2026-27 QLD Budget continued the $30,000 amount for contracts from 1 July 2026, so it no longer reverts to $15,000. It is not means-tested.

Yes. Many schemes stack. A Brisbane buyer purchasing a new home under $750,000 can combine the FHOG, the stamp duty exemption and the First Home Guarantee at the same time. However, you cannot use the First Home Guarantee and Boost to Buy together.

You likely qualify if you are 18 or over, an Australian citizen or permanent resident, have never owned a home you lived in or received a first home grant, are buying a new home under $750,000, and will live in it within 12 months for at least six months.

No. The Queensland First Home Owner Grant applies only to new homes never previously occupied or sold. If you buy an established home you can still access stamp duty concessions and the First Home Guarantee, but not the $30,000 cash grant.

Yes. On an eligible new home, the First Home Guarantee removes LMI on your 5% deposit while the FHOG pays $30,000 at settlement. Both can also combine with the new-home stamp duty exemption for maximum savings.

No. The grant is paid at settlement, after your deposit is provided at contract. It reduces your loan balance rather than replacing your deposit. You still need genuine savings of at least your lender’s minimum deposit when you sign.

With the First Home Guarantee you can buy with a 5% deposit and no LMI – about $35,000 on a $700,000 home. Boost to Buy or the Family Home Guarantee can reduce that to 2%. Use our deposit calculator to check your number.

Talk to a Brisbane First Home Buyer Specialist

The QLD first home buyer landscape has never been more generous, but the rules differ between schemes and the wrong combination can cost you. A Loan For You confirms which first home buyer grants QLD schemes you qualify for and coordinates the whole process.

  • Free, no-obligation assessment with no impact on your credit file until you proceed.
  • Access to 50+ lenders, including First Home Guarantee and Boost to Buy participants.
  • Local Brisbane brokers serving Chermside, Redcliffe, North Lakes and greater Brisbane.

Reviewed and Verified

This guide was reviewed by Philip Jenkins, principal broker at A Loan For You (Credit Representative 365865). With almost 20 years helping Queensland families into their first homes, Philip ensures every figure reflects current lender policy and government scheme rules.

General information only, correct as at July 2026. Government schemes change - confirm current grant amounts, caps and eligibility with your broker, the Queensland Revenue Office and Housing Australia before you act.

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