First Home Buyer Grants QLD › How does Help to Buy work for Queensland buyers?

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.

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

Why this matters

Help to Buy lowers the deposit and loan you need by having the government take a stake it shares in when you sell. It is means tested, with income limits, and is a separate pathway to the First Home Guarantee, so a buyer generally chooses one route rather than both.

The key points

Government takes up to 40 percent of a new home, 30 percent existing.
Buy with a deposit as low as 2 percent.
Income and place limits apply, separate to the First Home Guarantee.

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More first home buyer grant questions in Queensland

Back to the full First Home Buyer Grants Queensland 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 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.