If you’re buying your first home in Western Australia, you may be eligible for the First Home Owners Grant (FHOG). This government initiative is designed to support first-time buyers who are building or purchasing a brand-new home. In addition to the grant, you might also qualify for reduced stamp duty through the First Home Owners Rate of Duty (FHOR), depending on your circumstances.

What Is the FHOG?

The FHOG in WA offers up to $10,000 to eligible applicants who are building or purchasing a newly constructed home. If you’re planning to buy an established property, it’s important to know that contracts signed after 3 October 2015 do not qualify for the grant. However, you may still be able to access stamp duty savings through the FHOR.

Who Can Apply?

To apply for the First Home Owners Grant in WA, there are several eligibility requirements you’ll need to meet:

• Applicants must be individuals (not companies or trusts) and over the age of 18.
• At least one person must be an Australian citizen or permanent resident.
• Applicants and their partners must not have previously received a FHOG or the concessional duty under the same scheme.
• You must not have owned or lived in a residential property in Australia before, depending on the date and duration of ownership.
• You’ll need to live in the home as your main residence for at least six continuous months, starting within 12 months of completion.
• The value of the home must fall within set limits depending on location:
  • Up to $750,000 if the home is south of the 26th parallel
  • Up to $1,000,000 if it’s north of that line

Buying or Building in Baldivis?

If you’re exploring house and land packages or building your first home in Baldivis or nearby suburbs, the FHOG could help boost your budget. As a local mortgage broker based in Baldivis, I can help you understand how the grant works, what documentation you’ll need, and how it can be factored into your finance strategy.

Whether you’re still researching or ready to apply, I can help guide you through the home loan process, work out your borrowing power, and provide support along the way.

Want to Learn More?

For full details, visit the WA Government’s official FHOG page or download their complete guide.

If you’re ready to take the next step, get in touch today for a personalised chat about your first home options in Baldivis and beyond.