by location
first home buyer guides by city and state
the grants, stamp duty rules and cooling-off periods change in every state, and what counts as an affordable suburb changes in every city. pick where you're buying and start with the rules that actually apply to you.
by state
- first home buyer NSW grants, stamp duty and the 5-day cooling-off period in New South Wales.
- first home buyer Victoria grants, stamp duty and the Section 32 vendor statement in Victoria.
- first home buyer Queensland the QLD grant, the first home stamp duty concession and the rules.
- first home buyer SA grants, stamp duty and South Australia's 2-day cooling-off quirk.
- first home buyer WA the WA grant, stamp duty concessions and the Keystart low-deposit path.
by city
- affordable suburbs in Sydney where a first home buyer realistically starts in Sydney.
- affordable suburbs in Melbourne Melbourne corridors under $600k for first home buyers.
- affordable suburbs in Brisbane Brisbane regions under $600k for first home buyers.
- affordable suburbs in Adelaide Adelaide regions under $500k, plus the SA schemes.
- affordable suburbs in Perth Perth regions under $500k, plus the WA grant and Keystart.
not sure where you'll buy yet?
start with the national picture: the deposit, grants and schemes guide covers the federal schemes that apply everywhere, then come back here for your state and city.
book a chat with Finance Lab ›