First Home Buyer Grants in Queensland
The grant, the stamp duty rules, and the federal schemes that Queensland first home buyers can use in 2026, explained simply and shown as a single figure.
See your QLD first home support
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 Queensland.
What help can a first home buyer get in Queensland?
Queensland first home buyers may be entitled to several forms of help that often stack together. The main ones are the $15,000 First Home Owner Grant, no stamp duty on a new home, 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 Queensland?
The First Home Owner Grant in Queensland is $15,000 for eligible first home buyers who buy or build a new home, with no property price cap. It does not apply to established homes.
| Feature | QLD |
|---|---|
| Grant amount | $15,000 |
| Property price cap | No price cap |
| Administered by | Queensland Revenue Office |
Do first home buyers pay stamp duty in Queensland?
Eligible first home buyers in Queensland pay no stamp duty on a new home or on vacant land to build, with no price cap. On an established home, the first home concession removes duty up to $700,000 and reduces it up to $800,000.
The zero duty on new homes with no price cap is one of the most generous settings in the country, so for a Queensland first home buyer the new versus established choice can be worth a large amount in duty alone.
Federal schemes for Queensland first home buyers
On top of any state help, Queensland 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 $1,000,000 in Brisbane, the Gold Coast and the Sunshine Coast, and $700,000 in the rest of Queensland. There is also Help to Buy shared equity and the First Home Super Saver Scheme.
Queensland's Boost to Buy is a state shared equity scheme, where the Queensland Government may take a stake in your home to lower the amount you need to borrow. Income and property price limits apply, and places are limited.
See the grants and schemes you may qualify for
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?
Tell us a bit more about the plan
How do you earn your income?
How is your credit score?
This helps us match you to the right lender from the start.
Last step. Where should we send your options?
Your information is private and we will never share it.
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.
First home buyer grants in Queensland: top questions
How much is the first home buyer grant in Queensland?
The First Home Owner Grant in Queensland is $15,000 for eligible first home buyers who buy or build a new home, with no property price cap. It does not apply to established homes.
Is there a property price cap on the Queensland grant?
No. Queensland places no property price cap on the $15,000 grant, so eligibility depends on the home being genuinely new rather than on its price.
Do first home buyers pay stamp duty in Queensland?
Eligible first home buyers in Queensland pay no stamp duty on a new home or on vacant land to build, with no price cap. On an established home the first home concession removes duty up to $700,000 and reduces it up to $800,000.
Can I get the grant on an established home in Queensland?
Not the grant, which is new only. On an established home Queensland still helps through the first home concession, which removes duty up to $700,000 and reduces it up to $800,000, so established buyers are not left out on duty.
What is the Queensland Boost to Buy scheme?
Boost to Buy is a Queensland shared equity scheme where the state government may take a stake in your home to lower the amount you need to borrow. Income and property price limits apply, and places are limited.
Can first home buyers use the First Home Guarantee in Queensland?
Yes. The First Home Guarantee lets eligible buyers purchase with a 5 percent deposit and pay no lenders mortgage insurance. The Queensland price cap is $1,000,000 in Brisbane, the Gold Coast and the Sunshine Coast, and $700,000 in the rest of Queensland.
Do I have to live in the home to receive the grant in Queensland?
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 Queensland?
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 Queensland?
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 Queensland Revenue Office within the allowed time.
Can I combine the grant with other schemes in Queensland?
Often yes. A first home buyer building a new home in Queensland 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 Queensland?
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 Queensland 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 Queensland buyers?
Help to Buy is a federal shared equity scheme available in Queensland. 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 Queensland?
Yes. The First Home Super Saver Scheme is federal and available in Queensland. 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 Queensland?
Yes. An off the plan apartment or townhouse counts as a new home, so it can qualify for the Queensland 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 Queensland 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.