Learn more about the government grants and schemes available to home buyers

Are you a first-home buyer looking to secure your dream home? Explore these options of Government grants and schemes that could help support your home ownership goals.

Please note that Qudos Bank is not a participating lender of the government home buyer schemes and that the information provided on this page is an aide to help get you started. It uses publicly available information and is subject to change.  For further details, please reach out to the respective Government agencies listed on this page.


Applying for a government home buyer scheme could help you purchase a home sooner, especially if you’re on a single income and looking to enter the property market. It’s also great if you don’t have a big deposit and may not meet the eligibility requirements for a typical home loan with a bank. Depending on the scheme you apply for, you may be able to save on major costs such as stamp duty when getting a home loan.

It is possible that government home buyer schemes and grants could impact the current property market due to increased demand. However, the main objective of these is to help you get a home loan sooner, while also minimising associated costs.

You could reduce the cost of your mortgage if you meet the eligibility criteria for any of the government buyer schemes listed. We understand the challenges people face, especially those who are single income earners with dependents, so applying for a government home buyer scheme could be a way for you to get approved for a home loan and enter the property market sooner.

Yes, you can, as long as you meet the eligibility criteria. As an eligible first-home buyer, you could technically apply for and meet the requirements for the First Home Owners Grant (FHOG) and the First Home Guarantee, without paying for stamp duty.

Please note that each government grant and scheme has limited places available and varying timelines during the application process. It’s important to carefully assess whether you meet the eligibility criteria before applying.

Generally, you can apply for a home loan with a participating bank, and they’ll assist you with the application for the relevant grant/scheme. Once you’ve been conditionally approved, they’ll work with you on collecting the relevant documents required for your eligibility. However, each program has slightly different requirements so it’s best to check if you meet these before .

Prior to submitting your application for any of the government grants/schemes, we encourage you to speak with your bank or mortgage broker on how this will impact your home loan.

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The information is current as of 15 March 2023 and is subject to change without notice. Please note that Qudos Bank is not a participating lender of the government home buyer schemes and that the information provided is for educational purposes only.

Qudos Mutual Limited trading as Qudos Bank ABN 53 087 650 557 AFSL/Australian Credit Licence 238 305. The information on this page is of a general nature and has been prepared without considering your objectives, financial situation or needs. Before acting on the information, consider its appropriateness to your circumstances.

Normal lending criteria, terms and conditions and fees and charges apply. Mortgage insurance is required for home loans over 80% and is subject to approval.

You should read and consider the relevant terms and conditions (available on request) and our Financial Services Guide before deciding whether to obtain any of our financial products or services.