Combined value
What's available to you in Queensland
First home buyers in Queensland can access multiple government grants and concessions simultaneously. Here's the maximum combined value if you qualify for everything.
$30,000
First Home Owner Grant
Waived
Stamp duty (new builds)
$50,000
FHSS super withdrawal
$80,000+
Combined max value
Federal grants
Federal government schemes
These federal schemes stack on top of Queensland state grants. Most are administered through Housing Australia and participating lenders.
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5% Deposit Scheme (First Home Guarantee)
Buy with 5% deposit and no LMI. No income caps from October 2025. No annual place limit. Property price caps apply by location — Brisbane cap is $700,000 for established homes. Apply through participating lenders.
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Help to Buy — Shared Equity (launched Dec 2025)
Government contributes up to 40% for new homes, 30% for existing. Minimum 2% deposit. Income caps: $100k single, $160k couple. Available in QLD through participating lenders.
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Pathways Shared Equity Loan (QLD)
Queensland Government loan for eligible public housing tenants to purchase the property they are currently renting. Separate to the federal Help to Buy scheme.
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First Home Super Saver Scheme (FHSS)
Withdraw up to $50,000 in voluntary super contributions for your deposit. Must make contributions before applying to withdraw — cannot backfill existing savings.
Which grants do you actually qualify for?
DeltaMap checks your eligibility for every Queensland and federal grant automatically — based on your income, property price and buyer type.
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Common questions
First home buyers in Queensland ask...
Is the $30,000 QLD FHOG ending soon?
Yes. The $30,000 First Home Owner Grant in Queensland applies to contracts signed on or before 30 June 2026. After that date, the grant reverts to $15,000. If you are considering a new build in Queensland, signing your contract before 30 June 2026 secures the higher $30,000 amount — even if construction completes later.
Can I get the QLD FHOG on an established home?
No. The Queensland FHOG is strictly for new residential homes that have never been previously occupied. However, there are separate transfer duty concessions for first home buyers purchasing established homes under certain price thresholds. Check the Queensland Revenue Office for current rates.
What is the property price cap for the QLD FHOG?
The property must be valued at $750,000 or less. This includes the combined value of land and construction costs for house and land packages. If the total exceeds $750,000, you are not eligible for the grant — even by $1.
Can I combine the $30,000 FHOG with the 5% Deposit Scheme?
Yes. These two schemes are completely separate and can be used simultaneously. On a $650,000 new home in Queensland, you could receive $30,000 FHOG + waived stamp duty (from May 2025) + no LMI via the 5% scheme — potentially $45,000+ in combined benefits.
Do I have to live in the property after buying?
Yes. You must occupy the property as your principal place of residence within 1 year of settlement (for a purchase) or completion (for a build), and live there continuously for at least 6 months. If you rent it out before this period ends, you may need to repay the grant.
Official source: Always verify current eligibility directly with
Queensland Revenue Office. Grant conditions change regularly and this page may not reflect the most recent updates. DeltaMap is not a financial adviser.