Combined value
What's available to you in Victoria
First home buyers in Victoria can access multiple government grants and concessions simultaneously. Here's the maximum combined value if you qualify for everything.
$10,000
First Home Owner Grant
$31,070
Max stamp duty saving
$50,000
FHSS super withdrawal
$91,000+
Combined max value
Federal grants
Federal government schemes
These federal schemes stack on top of Victoria state grants. Most are administered through Housing Australia and participating lenders.
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5% Deposit Scheme (First Home Guarantee)
Buy with just 5% deposit and no Lenders Mortgage Insurance (LMI). No income caps from October 2025. Unlimited places. Apply through a participating lender.
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Help to Buy — Shared Equity (launched Dec 2025)
Federal government contributes up to 40% of purchase price for new homes, 30% for existing. Minimum 2% deposit. Income caps apply: $100k single, $160k couple. Available in VIC.
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Family Home Guarantee
Single parents with dependants can buy with just 2% deposit and no LMI. No income cap changes from October 2025.
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First Home Super Saver Scheme (FHSS)
Withdraw up to $50,000 in voluntary super contributions (plus earnings) for your deposit. Tax advantage vs saving in a bank account. Must set up before contributing — can't backfill.
Which grants do you actually qualify for?
DeltaMap checks your eligibility for every Victoria and federal grant automatically — based on your income, property price and buyer type.
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Common questions
First home buyers in Victoria ask...
Can I get the FHOG on an established home in Victoria?
No. The $10,000 First Home Owner Grant in Victoria is strictly for new homes — newly built, off-the-plan, or substantially renovated properties that have never been previously occupied. However, the stamp duty exemption DOES apply to established homes under $600,000, which can save you up to $31,070.
What is the income limit for the Victorian FHOG?
There is no income limit for the Victorian First Home Owner Grant. Any eligible first home buyer can apply regardless of income, as long as they meet the property value cap ($750,000 or less) and other eligibility requirements.
Can I combine the FHOG with the federal 5% Deposit Scheme?
Yes. From October 2025, the 5% Deposit Scheme has no income caps or annual place limits, meaning most eligible Victorian FHBs can combine it with the FHOG. On a $700,000 new home you could receive $10,000 FHOG plus save $12,000–$26,000 in LMI — a significant combined benefit.
Is the Victorian Homebuyer Fund still available?
No. The Victorian Homebuyer Fund (the state shared equity scheme) is now closed to new applicants. The replacement is the federal Help to Buy scheme, which launched on 5 December 2025 and is available to eligible Victorian buyers through participating lenders.
How do I apply for the FHOG in Victoria?
For a purchase, your conveyancer or solicitor typically lodges the FHOG application on your behalf at settlement. For a construction loan, your lender applies at first drawdown. The SRO reviews the application — make sure your documentation is complete before lodging.
Official source: Always verify current eligibility directly with
State Revenue Office Victoria. Grant conditions change regularly and this page may not reflect the most recent updates. DeltaMap is not a financial adviser.