Eligibility for the first home owner grant
See the eligibility criteria for the first home owner grant and ensure you have an eligible transaction before applying.
- $30,000 for contracts signed between 20 November 2023 and 30 June 2025 (both dates inclusive)
- $15,000 for contracts signed before 20 November 2023.
For owner-builders, the grant amount is:
- $30,000 where foundations are laid between 20 November 2023 and 30 June 2025 (both dates inclusive)
- $15,000 where foundations were laid before 20 November 2023.
Age
In some exceptional circumstances, the Commissioner of State Revenue may use discretion in relation to some eligibility criteria, such as:
- you are under 18 years of age
- an application is made on behalf of a legal disability trust by a guardian.
Citizenship
You must be an Australian citizen or permanent resident (or applying with someone who is).
If you are applying for the grant as a joint applicant—for example, you are not a permanent resident but your spouse is an Australian citizen—you may be eligible for the grant if you meet the other eligibility requirements.
A permanent resident holds a permanent visa, or is a New Zealand citizen with a special category visa, as defined by the Migration Act 1958 (Cwlth).
A New Zealand citizen with a special category visa must have a current New Zealand passport to be a permanent resident.
You can check if your visa is permanent or temporary by clicking on its subclass in the visa list.
Income
Your income has no bearing on your eligibility for the grant.
Previous grant recipient
You or your spouse must not have previously received a first home owner grant in any state or territory of Australia. If you received a grant that you later paid back, together with any penalty, you may be able to reapply for the grant.
Previous home ownership
You or your spouse must not have owned residential property in Australia:
- on or after 1 July 2000 that you lived in
- before 1 July 2000, whether you lived in it or not.
Investment properties
The grant is not available to purchase investment properties.
If you have owned an interest in residential property since 1 July 2000 that has been solely used for investment purposes, you may be eligible for the grant on a subsequent new property that will be your first home to live in.
You will need to show that you have not lived in the investment property by providing evidence that covers the entire period of ownership:
- tenancy or lease agreements
- electricity or phone accounts
- tax return details declaring the rental property.
Residence requirements
You can rent out one or more rooms in the home during your 6-month residency period, as long as this arrangement doesn’t affect your use of the home. However, renting out any rooms in the first year after you move in may affect your eligibility for the first home concession or first home vacant land concession.
Even though the residence requirements for the grant are similar to those for the first home concession, the grant and concession are separate benefits—you need to meet the requirements in each case. For example, you can rent the home out before moving in and keep the grant, but you may lose the first home concession.
You may be required to verify that you have met these requirements later, by providing documentation supporting the period of occupancy for all applicants.
In some exceptional circumstances, the Commissioner may use discretion in relation to some eligibility criteria if you:
- move into the home after 1 year
- live in the home less than 6 months.
Compare the requirements for first home concessions and the first home owner grant.
Disqualifying arrangements
Even if you meet the eligibility criteria, there are some circumstances that may stop you from getting the grant. For example:
- you enter into an arrangement to circumvent limitations on, or requirements affecting, eligibility or entitlement to the grant
- you enter into an arrangement with the sole purpose of obtaining the grant, rather than acquiring a home
- you buy or build your new home with financial help from a related person
(who is not eligible for the grant) who will also stay in the home often or for long periods of time, and the Commissioner is not satisfied there are genuine family reasons for the related person to occupy the home. (Money borrowed from a bank or lending institution is not considered to be financial help.)
If there is a disqualifying arrangement, we will not pay the grant. If the grant has already been paid, you will have to repay it.
Eligible transactions
The home:
- must not have been lived in or sold as a place of residence at the time of completion
- could be a
- house, unit, duplex or townhouse; or a detached dwelling built on a relative’s land (e.g. granny flat, tiny home)
- home that has been moved from one site to another (including kit homes or modular homes)
- home in a manufactured home park
- substantially renovated home
- must be one of the following eligible transactions
New home
You do not have a contract to purchase a new home (including off-the-plan purchases or substantial renovations) if you have both a land purchase contract and a building contract.
The grant may be available for homes that have been moved from one site to another, as long as the home has not been occupied since being fixed to the new site (including kit homes, manufactured homes).
Examples
Natalie has entered into a house and land package where she has a contract with a developer to purchase land and a contract with the developer’s selected builder to construct her new home. A new home contract is for the acquisition of the relevant land on which a new home is built by the vendor and at the expense of the vendor. As Natalie entered into a separate contract with a builder, she has not entered into a contract to purchase a new home.
If Natalie met the other eligibility criteria, the home may be eligible as a contract to build transaction.
Jakob and Brian entered into a contract to purchase a townhouse in a strata title complex. At the time of entering into the contract, the complex had already been subdivided and the lot and plans registered.
Arya entered into a contract to purchase a newly built apartment from her friend. Arya’s friend purchased the home off the plan from a developer, but chose not to move into the home and onsold it to Arya. Although the apartment has not been lived in, the apartment has been sold as a place of residence and is not eligible for the grant.
Whether a home is sold as a place of residence is based on the essential character of the home. It is not dependent on the reasons or intentions of the parties or how the home is used, either before or after the sale.
Carlos and Lupita have recently moved into their new home, 4 months after settlement. The move was delayed because there were tenants residing in the home under a lease with the previous owner. This home is not eligible because the home has previously been lived in and sold as a place of residence.
Off-the-plan purchase
An off-the-plan purchase is a single contract to buy a new home and the relevant interest in the land, which is a proposed lot on an unregistered plan resulting from a subdivision. In some cases, the property may not have been built yet.
For example, the purchase of a unit in a unit block, where the unit’s individual lot and plan description will not be available until the strata title has been registered.
Examples
Eleanor entered into a contract to purchase a unit within a development that is currently under construction. The contract to purchase describes the property as a proposed lot because the development has not been subdivided and strata titled yet.
Mateo has a contract with a developer to purchase a registered block of vacant land that will have a house built on it. He picked the house design, colours and other specifications when entering into the contract from the developer’s selection. Mateo believes he has purchased a house off the plan because he selected the plans and specifications himself. However, the lot and plan description of the property had already been registered prior to the contract date.
Substantial renovation
The home:
- must be substantially renovated before you buy it
- must not have been lived in since the renovation.
The seller:
- must be registered for GST and be selling the home as a taxable supply in the course of their business
- must give you a tax invoice that shows the GST component of the home purchase price (as evidence that the sale is a taxable supply
)
- must give you a statement
that confirms the house has never been sold or occupied since the renovation, the sale of the home is a taxable supply and a description of the type and extent of the renovations.
A substantial renovation is when all, or most, of the structural or non-structural components of a building are removed or replaced.
Most of the rooms in the building must have been affected, and the renovations must have affected the building as a whole for it to be considered a substantial renovation. However, the renovations do not need to involve removal or replacement of foundations, external walls, interior supporting walls, floors, roof or staircases.
A home has not been substantially renovated if:
- only cosmetic work has been done to the home (e.g. painting)
- only 1 part of the building has been renovated (e.g. renovation of 1 bedroom in a 4-bedroom house; removal and replacement of a kitchen and bathroom with little else being done to the building, apart from minor repair work).
Examples
Rania is a self-employed florist and is registered for GST. She bought a house, with the intention of doing it up and ‘flipping’ it. She contracted a builder to carry out the renovations.
Even though Rania might sell the house with a statement confirming she is registered for GST, the house is not eligible for the grant because she is not selling it as part of her florist business and GST would not be paid on the sale of the home.
Nick and Emma are self-employed builders and are registered for GST. They bought a house and made substantial renovations before putting it on the market.
At the time of sale, they provided a statement as evidence of the taxable supply and confirmed the home had not been sold or used as a place of residence since the renovation. The house may be eligible as a substantially renovated home because they sold it in the course of their business.
Juan applies for a grant for a large 4-bedroom house that he believes had been substantially renovated by the vendor. The documentation provided by Juan shows that:
- the house had not been occupied as a residence or otherwise sold since the renovations were completed
- the renovations consisted of remodelling the kitchen and re-carpeting the bedrooms.
The house is not eligible as a substantially renovated home because the work performed did not remove or replace most of the building. Further, the sale of the property was not a taxable supply under the GST Act.
Contract to build
For a contract to build a new home to be eligible, it must be a comprehensive home building contract. That is, a builder undertakes to build a home from the start of the building work (laying of foundations) to the point where the home is ready for occupation (final inspection certificate issued).
Examples
Karim purchased a vacant block of land from a developer and entered into a building contract with the developer’s selected builder. Karim selected his house design and other specifications himself when entering into the contract. As long as Karim is the registered owner of the land prior to completion of the home, the home may be eligible as a contract to build transaction.
Jessica and Amina entered into a home building contract with a licensed builder. The contract excluded benchtops in the kitchen—these were being installed by a third party external to the contract. Because benchtops are required for the home to be certified as a liveable dwelling, the home is not a comprehensive home building contract.
If Jessica and Amina met the other eligibility criteria, the home may be eligible as an owner–builder transaction.
Kara bought vacant land in January 2020, with the intention of building her first home.
On 29 November 2023, Kara finally signed a comprehensive building contract.
If Kara meets the other eligibility criteria, she may be eligible for the $30,000 grant.
Tim purchased a vacant block of land in October 2017 for $350,000. Since Tim purchased the land, he has made some improvements such as building a shed, installing water tanks and improving the fence surrounding the property.
In November 2021, Tim entered into a contract to build his first home for a consideration of $345,000. By that time, the unencumbered value of the land had increased to $475,000 as a result of the rising land value and the improvements made to the land.
To be eligible for the grant, the value of the new home (i.e. the consideration for the building contract and the unencumbered value of the land as at the contract date) must be less than $750,000. In this example, the house is not eligible because the total transaction value is $820,000 ($345,000 + $475,000).
Building on a relative’s land
You may be eligible for a grant if you build a detached dwelling for yourself on a relative’s land. The contract to build must be in your name.
- A detached dwelling may include a granny flat or tiny home.
- A relative can be a parent, grandparent, child, stepchild or sibling of an applicant, or the spouse of any of these.
The total value of the transaction must be less than $750,000.
You’ll need to provide the following documents with your application:
- building contract, signed and dated by the builder and applicants (including any special conditions, annexures or any variations to the contract)
- statutory declaration from the related person giving authorisation to build on their land, or a copy of a written agreement
- final inspection certificate
issued by your local council or private building certifier
- valuation of the part of the land on which you have the right to build your detached dwelling. This can be provided by a registered valuer or real estate agent.
Examples
Abby and Sam have a contract to build a granny flat on Abby’s parent’s land. The final building cost of the granny flat is $115,000. The value of part of the land on which they have the right to build is $210,000.
The total value of the home and land is $325,000.
When applying for the grant, Abby and Sam include the following documents:
- a copy of the contract to build
- a statutory declaration from Abby’s parents giving their authorisation to build on their land
- a valuation showing the value of the part of Abby’s parents land on which they have the right to build.
The title of the whole land remains with Abby’s parents.
If Abby and Sam meet the other eligibility criteria, the home may be eligible for the grant.
Marshall and Harry own and live in their home on a large property. They want to build a granny flat on their land for Harry’s son, Ivan.
- Marshall and Harry are not eligible for the grant (to build the granny flat for themselves), because the granny flat is not their first home.
- Ivan would not be eligible for the grant if Marshall and Harry build the home for him (i.e. if the building contract is in their names).
Ivan might be eligible for the grant if:
- this is his first home and the building contract is in his name
and
- he meets all the other eligibility criteria.
Owner–builder
You are an owner–builder if you build a home—or have a home built—on land you own without entering into a comprehensive home building contract.
You may do one of the following:
- undertake the responsibility of building your own home from start to finish as an owner–builder
- have a building contract with one or more builders where one builder is not solely responsible for the home from start to finish.
Examples
Tareq entered into a contract to build a new house on a vacant block of land. He is a registered electrician and decided to exclude all electricity from his building contract to perform the work himself. In order for a home to be ready for occupation, the electricity must be complete before certification. The house may be eligible because essential work was excluded from the contract.
Melissa bought a relocatable house from a business specialising in restored Queenslanders. The business moved the house to the vacant land that Melissa had bought the previous month. They installed the home, but Melissa connected the home to the services. Because Melissa performed the connections herself, the house may be eligible.
Matias is a registered owner–builder and is building his new home on vacant land. He bought the land in 2013 for $250,000 but did not start on his home until 2019. By that time, the land value had increased to $410,000. When the new home was completed in 2021, the total cost of construction was $370,000. To be eligible for the grant, the value of the new home including the land must be less than $750,000. For owner–builders, the total value is the cost to construct the home and the value of the land at the time foundations are laid. In this example, the house is not eligible because the total transaction value is $780,000 ($410,000 + $370,000).
Also consider…
- See the public ruling on the increase to the first home owner grant amount (FHOGA000.2).
- Register for a free webinar on building your first home, run by the Queensland Building and Construction Commission (QBCC).