First Home Buyer Grants in the Northern Territory
The grant, the stamp duty help, and the federal schemes that Northern Territory first home buyers can use in 2026, explained simply and shown as a single figure.
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Move the slider to your price and choose new or established. We will add the grant and the stamp duty saving you may be entitled to in the Northern Territory.
What help can a first home buyer get in the Northern Territory?
Northern Territory first home buyers may be entitled to several forms of help. The main ones are the $50,000 HomeGrown Territory Grant on a new home, stamp duty help on eligible house and land packages, and the federal schemes such as the First Home Guarantee, Help to Buy and the First Home Super Saver Scheme.
How much is the First Home Owner Grant in the Northern Territory?
The First Home Owner Grant in the Northern Territory is the HomeGrown Territory Grant of $50,000 for eligible first home buyers who build or buy a new home, with no property price cap. It is the largest first home buyer grant in Australia. It does not apply to established homes.
| Feature | NT |
|---|---|
| Grant amount | $50,000 |
| Property price cap | No price cap |
| Administered by | Territory Revenue Office |
Do first home buyers pay stamp duty in the Northern Territory?
First home buyers in the Northern Territory may reduce or remove stamp duty through the House and Land Package Stamp Duty Exemption on eligible packages. This sits alongside the $50,000 HomeGrown Territory Grant.
With a $50,000 grant and stamp duty help on eligible new house and land packages, the Northern Territory offers one of the strongest new home buyer packages in the country.
Federal schemes for the Northern Territory first home buyers
On top of any state help, the Northern Territory first home buyers can use the First Home Guarantee, which lets eligible buyers purchase with a 5 percent deposit and pay no lenders mortgage insurance, with a property price cap of $750,000 in Darwin and $600,000 in the rest of the Northern Territory. There is also Help to Buy shared equity and the First Home Super Saver Scheme.
HomeBuild Access offers Northern Territory Government backed low deposit home loans for eligible buyers building or buying a home, subject to limits.
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First home buyer grants in the Northern Territory: top questions
How much is the first home buyer grant in the Northern Territory?
The First Home Owner Grant in the Northern Territory is the HomeGrown Territory Grant of $50,000 for eligible first home buyers who build or buy a new home, with no property price cap. It is the largest first home buyer grant in Australia.
Is there a property price cap on the the Northern Territory grant?
No. The $50,000 HomeGrown Territory Grant has no property price cap, so it is judged on whether the home is genuinely new rather than on its price.
Do first home buyers pay stamp duty in the Northern Territory?
First home buyers in the Northern Territory may reduce or remove stamp duty through the House and Land Package Stamp Duty Exemption on eligible packages. This sits alongside the $50,000 HomeGrown Territory Grant.
Can I get the grant on an established home in the Northern Territory?
Not the HomeGrown Territory Grant, which is for new homes only. Established home buyers in the Northern Territory generally miss both the grant and the house and land package duty exemption, so the new build choice carries real value here.
What is HomeBuild Access in the NT?
HomeBuild Access offers Northern Territory Government backed low deposit home loans for eligible buyers building or buying a home, subject to limits.
Can first home buyers use the First Home Guarantee in the Northern Territory?
Yes. The First Home Guarantee lets eligible buyers purchase with a 5 percent deposit and pay no lenders mortgage insurance. The the Northern Territory price cap is $750,000 in Darwin and $600,000 in the rest of the Northern Territory.
Do I have to live in the home to receive the grant in the Northern Territory?
Yes. First home owner grants are for owner occupiers, so at least one buyer must move in and live there as their main home for a continuous period, generally starting within 12 months of settlement or completion.
Who is eligible for the first home buyer grant in the Northern Territory?
You generally must be a person rather than a company or trust, be at least 18, and at least one buyer must be an Australian citizen or permanent resident. You and your partner must not have owned residential property in Australia or received the grant before.
How do I apply for the grant in the Northern Territory?
Most people apply through an approved agent, usually their lender, at the same time as the home loan, with the help arranged at settlement or the first construction payment. You can also apply directly to the Territory Revenue Office within the allowed time.
Can I combine the grant with other schemes in the Northern Territory?
Often yes. A first home buyer building a new home in the Northern Territory can frequently use the state help, the stamp duty rules and the federal First Home Guarantee at the same time. Some schemes are means tested or interact differently.
When is the first home buyer help paid in the Northern Territory?
When you buy a completed new home the help is generally applied at settlement. When you have a building contract it is usually applied at the first construction progress payment. The timing depends on whether you are buying or building.
What counts as a new home for the the Northern Territory grant?
A new home is one that has not previously been lived in or sold as a place of residence. That includes a brand new build, an off the plan apartment, and a house and land package. Established homes that have been lived in before do not qualify.
How does Help to Buy work for the Northern Territory buyers?
Help to Buy is a federal shared equity scheme available in the Northern Territory. The government contributes up to 40 percent of the price of a new home or 30 percent of an existing home for an equity share, which reduces your loan. Income and place limits apply.
Can I use the First Home Super Saver Scheme in the Northern Territory?
Yes. The First Home Super Saver Scheme is federal and available in the Northern Territory. You can withdraw up to $50,000 of eligible voluntary super contributions, plus earnings, towards your deposit, subject to the scheme rules.
Can I get the grant on an off the plan apartment in the Northern Territory?
Yes. An off the plan apartment or townhouse counts as a new home, so it can qualify for the the Northern Territory first home buyer help, as long as it has not been previously occupied and you meet the other criteria.
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 Territory 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.