First home buyer eligibility checker
Your likely eligibility for your state’s duty relief and grant, the 5% Deposit Scheme, Help to Buy and the First Home Super Saver Scheme.
Your likely eligibility
Checking every scheme…
This is general education, not a decision or application. It is not a composite score and doesn’t add scheme amounts together — a loan guarantee, a shared-equity stake, a super release, a duty reduction and a grant are structurally different things. Confirm your actual eligibility with the relevant scheme or revenue office. Nothing you enter leaves your browser (Privacy).
Worked example
A Victorian first-home buyer looking at a $550,000 new home, with a $35,000 deposit and $90,000 income.
| Scheme | Result | Why |
|---|---|---|
| Victorian duty exemption/concession | Yes | First home buyer exemption applies. |
| Victorian First Home Owner Grant | Yes | First Home Owner Grant applies. |
| 5% Deposit Scheme | Depends | No property or land owned in the last 10 years. Age and citizenship/residency criteria met. Deposit is at least the 5% minimum for this stream. Price caps vary by postcode — check the current cap with Housing Australia's postcode tool before relying on this. |
| Help to Buy | Depends | Income is within the current threshold for this applicant type. Deposit is at least the 2% minimum. Price caps vary by postcode — check the current cap with Housing Australia's postcode tool before relying on this. A limited number of places are released each year and may not currently be open — check current availability with Housing Australia before relying on this. |
| First Home Super Saver Scheme | Yes | Meets the minimum age of 18. Generally available to a first home buyer with voluntary super contribution room. |
Every figure comes from the government support guide’s own sources and the verified True cost to buy rules, never a separately re-typed threshold.
Frequently asked
Am I eligible for the 5% Deposit Scheme?
It depends on your ownership history in the last 10 years, your age and residency, your deposit, and the property's postcode price cap — the price cap varies by location and has no single published figure, so this checker is honest about that leg rather than guessing. See the 5% Deposit Scheme guide and use the tool above for your own numbers.
Do I qualify for the First Home Owner Grant?
Every state and territory runs its own Grant with its own price cap, “new home” test and previous-ownership test — Victoria's, for example, turns on whether you or your partner have lived in an owned home for 6 months or more on or after 1 July 2000, not simply whether you've ever owned property. The checker above applies your state's own rules directly from Delora's True cost to buy engine, never a re-typed threshold.
Can I use more than one scheme on the same purchase?
Often yes — a federal scheme (the 5% Deposit Scheme, Help to Buy or the FHSSS) and your state's own duty exemption/concession and grant test eligibility separately, so qualifying for one doesn't guarantee or exclude another. This checker never adds their amounts into one total, because a loan guarantee, a shared-equity stake, a super release, a duty reduction and a cash grant aren't the same kind of thing.
Why does this checker say “depends” instead of a straight yes or no?
Only where no public, checkable figure exists: the 5% Deposit Scheme's and Help to Buy's property price caps vary by postcode with no static table published anywhere, and Help to Buy releases a limited number of places periodically. Guessing a number for either would be worse than naming the gap and linking Housing Australia's own current tool.
Sources and methodology
- Australian Government 5% Deposit Scheme | First Home Buyers — Housing Australia (retrieved 7 Oct 2026). Reuse terms: see the publisher's site
- FAQs | First Home Buyers — Housing Australia (retrieved 7 Oct 2026). Reuse terms: see the publisher's site
- Australian Government Help to Buy Scheme | First Home Buyers — Housing Australia (retrieved 7 Oct 2026). Reuse terms: see the publisher's site
- First Home Super Saver Scheme | First Home Buyers — Housing Australia (retrieved 7 Oct 2026). Reuse terms: see the publisher's site
- First home buyer duty exemption or concession — State Revenue Office Victoria (retrieved 29 Jul 2026). Licence: CC BY 4.0
- First Home Owner Grant — State Revenue Office Victoria (retrieved 29 Jul 2026, last checked 7 Aug 2026). Licence: CC BY 4.0
Figures on this page are drawn from Delora's local knowledge graph, refreshed from these primary sources and checked for changes on a regular schedule. If a figure here looks out of date, the official source above is always the authority — please let us know.