First Home Buyer Grants QLD › When is the first home buyer help paid in Queensland?

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.

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

Why this matters

This timing matters for your deposit planning. Because the help usually arrives at settlement or a construction stage rather than upfront, most lenders will not count it as part of the genuine savings you need to qualify in Queensland.

The key points

Buying a completed new home: applied at settlement.
Building: applied at the first progress payment.
It is usually not counted as part of your genuine savings.

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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.