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The completion date is the date the building is ready for occupation as a place of residence, usually when the builder hands over the keys to the owner. You must apply for the FHOG within 12 months of the completion date. Your eligibility and when you should apply is determined by the type of transaction. Changes in relation to the first home FIFO Mortgage Broker Perth owner grant cap have now been applied. The remaining changes are subject to the Parliamentary process and updates to RevenueWA's systems.

So in effect, these funds are added to your home loan balance when we advance them (shown as a debit), and then once the FHOG has paid to Keystart, that amount is taken off your loan balance (shown as a credit). FHOG is no longer available if you choose to buy an established home, however you may be eligible for the Home Buyers Assistance Grant towards minor expenses. 1 On 1 October 2025, the Home Guarantee Scheme was renamed the Australian Government 5% Deposit Scheme. All home buyer case studies, reports and publications published prior to this date will reference the Home Guarantee Scheme.
He’s a mortgage broker with more than 20 years of experience in the finance and real estate industry. Mansour is the Director of Soren Financial and has been featured in publications such as the ABC, Domain.com.au and Australian Broker. Yes, but to qualify for most first home buyer grants or schemes, you generally need to live in the property for a minimum period (e.g. 12 months).
From down payment assistance to special loan programs with flexible terms, numerous resources are available to help first-time buyers make their dream of homeownership a reality. Money.com.au’s Home Loans expert Debbie Hays said developers sometimes increase their prices to meet the increased demand for new builds driven by applications of cash grants. This can create a gap between the price of the property and the lender's valuation, potentially affecting your home loan application. Typically, you need a 20 per cent deposit to buy a house, otherwise buyers are required to purchase lenders' mortgage insurance, which can add thousands onto the cost of buying a home. The practice advises and assists on up to and including car loans and right choices in investment property. Its team comprises of some of the most experienced mortgage brokers in the area.

Government support for first home buyers has expanded significantly over the last few years. This guide is a current, plain-English map of what you can actually claim and how the pieces fit together. Yes, first home buyers in Western Australia may be eligible for stamp duty concessions or exemptions. The Western Australian government provides various measures to support first home buyers in reducing the cost of stamp duty. Eligible first home buyers may qualify for the First Home Owner Rate of Duty, which offers a reduced rate or complete exemption from paying stamp duty on their first property purchase.
Under the 5% Deposit Scheme, the federal government guarantees up to 15% of the property’s value. In the lender’s eyes, that takes your effective deposit to 20%, so the LMI requirement is waived entirely. When a property is available for sale, its market value will be determined. Any capital improvements you have made that have increased the market value, such as a kitchen renovation, the addition of a patio or carport, or other items from the approved list will be counted. The purchase price will be the market value less the amount allowed for improvements.

Here at Home Group, we have finance specialists from National Home Finance that specialise in construction-based lending and can find the finance solution and package that best suits you! We have exclusive relationships with Keystart and major home lenders and we can ensure you have access to all the relevant government grants. We are committed to providing  transparent and straightforward advice.
To be eligible for the stamp duty concession you'll need to be a first home buyer. If you, or your partner or spouse, has previously owned a home, you won't be eligible. You should expect your grant funds to be credited to your Keystart account approximately two weeks after the first progress payment is made to your builder. If you’ve purchased a newly built home, you should expect this to occur approximately two weeks after settlement. For Keystart customers, we allow you to use the FHOG funds towards your deposit. To make this happen, we advance (pay on your behalf) an amount equivalent to the FHOG to your settlement agent to be available at settlement.
They can save you time and hassle by taking care of all the legalities typically involved in the process, or that may arise during the course of the settlement. They will also provide you with peace of mind, knowing that everything is being handled correctly and in accordance with the law. Conveyancing is the legal process of transferring ownership of property from one person to another. Our experienced team can guide you through complex transactions or disputes during your property transaction, including strata title properties and off-the-plan purchases. We provide personalised service based on your unique requirements, ensuring you make informed decisions. Under the changes, all first home buyers will have access, with no caps on places or income limits.

We are now proudly acknowledged as one of the leading property investment providers in Australia. Explore Damian Collins’ Property Investing Roadmap podcast for expert insights, real-world stories, and practical tips to build lasting wealth through property investment. If you want the best price when investing in property, then you can’t afford to not use a Perth buyer’s advocate.
It also includes all the essentials like flooring, cabinetry, appliances, and fixtures, so your home is move-in ready. Our packages are all-inclusive, meaning the price includes the land, the house, and the finishing touches, with no hidden surprises. Always check independent platforms like Product Review to ensure your builder has a reputation for delivering quality without compromise.  Be wary of packages that look “too good to be true”—often, these hide essential costs like siteworks, which can blow out your budget later.

At Lime Mortgage Brokers, we’re here to guide you every step of the way. We understand the unique challenges faced by first-time home buyers and offer a range of support options to help you achieve your dream of homeownership. Normally, if you provide less than a 20% deposit when you buy a property, lenders will expect you to pay lender’s mortgage insurance (LMI), which can cost thousands of dollars. For the average first home buyer, access to the scheme cuts years off the time it takes to save for a deposit and saves tens of thousands of dollars on Lenders Mortgage Insurance. In just the first year alone, first home buyers using the scheme are expected to avoid around $1.5 billion in potential mortgage insurance costs. Liberty home loans offer the freedom and flexibility to help you reach your homeownership goals.
One Nation’s negative gearing cap could protect “mum and dad” investors and first time buyers, but the Greens hold the balance of power over Labor’s housing tax reforms. New data reveals the stunning decline of Australia’s housing market in the wake of changes to negative gearing and CGT, and one city has been hit hardest. Nearly 3,900 property owners are now in distress – and new data exposes the regions and suburbs hit hardest by arrears, warning the worst is yet to come with two cities most at risk. Two of Australia’s biggest banks have cut interest rates in a shock move – with one major lender already predicting the Reserve Bank will follow with cuts of its own. All four big banks just named the dates your mortgage will finally get cheaper as rate cuts begin – but there’s a catch that could cost you $606 a month.