First-Home Buyer Hub
NSW Government grants and eligibility
Understanding NSW Grants & Your Eligibility
Not sure what you qualify for? By understanding your situation, we can help identify which NSW first-home buyer grants you may be eligible for — saving you time and maximising your benefits.
NSW Government grants and eligibility
Families answer straightforward questions to assess eligibility for multiple programs simultaneously.
First Home Buyers Assistance Scheme (FHBAS)
Save on Stamp Duty
What's covered
- Pay no stamp duty on homes valued up to $800,000
- Get discounted duty on homes valued up to $1 million
- Vacant land? No duty on land valued up to $350,000 (partial discounts up to $450,000)
Who’s Eligible?
- You’re at least 18 years old
- You’re an Australian citizen or permanent resident
- You and your partner haven’t owned property in Australia before
- You’ll live in the property for at least 12 months
First Home Owner Grant (New Homes) – FHOG
$10,000 Towards a New Build or New Home
Buying or building a brand new home? You may qualify for the $10,000 First Home Owner Grant
What’s Covered:
- New home: Max value of $600,000
- House & land package: Combined value under $750,000
- New homes (including off-the-plan)
- Substantially renovated properties
- Building your own home on vacant land
Who’s Eligible?
- New home: Max value of $600,000
- House & land package: Combined value under $750,000
Who’s eligible:
- Be 18+ years old
- Be an Aussie citizen or PR
- Not have owned property before
- Live in the home for 12 continuous months within the first year
Home Guarantee Schemes (via Federal Government)
Buy Sooner with a Smaller Deposit
Through the First Home Guarantee and Regional First Home Buyer Guarantee, eligible buyers can purchase with just 5% deposit — no Lenders Mortgage Insurance (LMI) required.
Available To:
- Eligible first-home buyers
- Singles earning up to $125,000/year
- Couples earning up to $200,000/year
How Fiora Homes Supports You
- Free Grant Eligibility Check
- Tailored Renovation Packages
- Personalised Support
Meet Our Team
Experts Who Build with Heart
Behind every Fiora home is a dedicated team of architects, designers, builders, and support staff who share a passion for quality living. We work together to turn your vision into reality—with precision, creativity, and care.
No prepayment penalties. You can pay early without a charge.
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