Stage 5 of 6
First home buyer schemes for new builds
Building or Buying a New Home
Stage 5 / 6 · Grants & schemes
First home buyer schemes for new builds
FHG variants, state grants for new construction, regional add-ons. New builds attract more government money than any other purchase type, if you qualify.
New-build buyers can stack federal + state + regional incentives in 2026, often $30k–$60k of headline value.
What stacks
First Home Guarantee (no LMI). State First Home Owner Grant (new only). Regional First Home Buyer Guarantee where applicable. Some states layer additional new-build bonuses on top.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.