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Updated January 2026

First Home Buyer
Complete Guide

A clear, compliant guide to buying your first home in Australia. Use this to understand the process, the questions to ask, and where to verify official policy.

The first‑home journey, without the fog

Most first home buyers feel stuck between advice, marketing, and shifting policy. This guide is built to help you move step‑by‑step with clarity, while verifying the details on official sources.

Federal programs to verify

Eligibility, caps, and requirements can change. Always verify details using the official sources below.

Housing Australia — Home Guarantee Scheme

Visit official source

ATO — First Home Super Saver Scheme

Visit official source

MoneySmart — Buying a home

Visit official source

First Home Buyer Checklist

Track your progress through each stage of the home buying process

Your Progress0%

0 of 22 steps completed

Establish a clear view of your budget, borrowing capacity, and ongoing costs.

State & territory sources

These official revenue offices publish current grant and duty rules. Use them to verify eligibility and thresholds.

VIC
Victoria — State Revenue Office
Visit official site
NSW
New South Wales — Revenue NSW
Visit official site
QLD
Queensland — QRO
Visit official site
WA
Western Australia — RevenueWA
Visit official site
SA
South Australia — RevenueSA
Visit official site
TAS
Tasmania — State Revenue Office
Visit official site
ACT
ACT — Revenue Office
Visit official site
NT
Northern Territory — Territory Revenue Office
Visit official site

Ready to research properties?

Property and suburb reports with risk scores, planning overlays, market analysis, and clear next steps.

Next steps

Continue with the full First Home Buyer Guide, check pricing, or get in touch.

Disclaimer: This information is general in nature and may change. Always verify current rules with official government sources. This is not financial advice.