First Home Buyer Grants ACT › How does the ACT Home Buyer Concession Scheme work?

How does the ACT Home Buyer Concession Scheme work?

The Home Buyer Concession Scheme can remove stamp duty entirely for eligible ACT first home buyers up to a high property value threshold. It is income tested on the combined income of everyone buying, and applies to new and established homes.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

This scheme is the ACT version of first home buyer help, replacing a cash grant with a duty saving. The key gate is the income test on all buyers combined, so two higher earning buyers may not qualify even when a single buyer would.

The key points

Can remove stamp duty entirely up to a threshold.
Income tested on the combined income of all buyers.
Applies to new and established homes.

Free Grants Check

Want to know what you could claim?

Answer a few quick questions and we can confirm your first home options across a panel of more than 70 lenders.

Check Your First Home Options

A few quick questions, no obligation.

What is your goal?

Buy a home or investment property First home, next home, or adding to your portfolio Build a house or develop land New build, renovation, duplex, or subdivision project Lower my current repayments Better rate, release equity, or restructure existing debt Finance an established commercial property Business premises or commercial investment asset

Tell us a bit more about the plan

How do you earn your income?

Standard salary or wage Full-time, part-time, or casual employment (PAYG) Self-employed or business owner Sole trader, company director, or contractor

How is your credit score?

This helps us match you to the right lender from the start.

Healthy No issues that I am aware of A few small marks A couple of late payments, now caught up Not sure, or it is complicated We work with specialist lenders for these situations

Last step. Where should we send your options?

Your information is private and we will never share it.

First Name

Last Name

Email Address

Australian Mobile Number

By submitting, you agree to be contacted by one of our team of licensed mortgage brokers. No obligation. No spam.

You're all set.

We've received your details. One of our friendly brokers will reach out within 1 business day to help guide you through your options.

More first home buyer grant questions in the ACT

Back to the full First Home Buyer Grants the ACT guide

General information only. This page provides general information based on first home buyer settings current in 2026. It is not financial advice, a quote, or a guarantee, and your personal circumstances have not been considered. Grant amounts, caps, eligibility and scheme places change and vary by circumstance, and some help applies only to new homes. Always confirm current grants and your eligibility with the ACT Revenue Office, Housing Australia, or a licensed mortgage broker. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.