First Home Buyer Guide & Calculators
Everything you need to plan your first home purchase in Australia. Calculate stamp duty concessions in your state, check how much you can borrow, and compare savings strategies.
Stamp duty concessions by state
Every state offers different concessions for first home buyers. Select your state to calculate your stamp duty.
NSW
New South Wales first home buyer guide
View guide →VIC
Victoria first home buyer guide
View guide →QLD
Queensland first home buyer guide
View guide →SA
South Australia first home buyer guide
View guide →WA
Western Australia first home buyer guide
View guide →TAS
Tasmania first home buyer guide
View guide →NT
Northern Territory first home buyer guide
View guide →ACT
Australian Capital Territory first home buyer guide
View guide →Can you afford it?
Work out your budget, borrowing power, and what your repayments will look like.
FHB Budget Planner
Estimate your total upfront costs and check if your savings are enough
Borrowing Power
How much a lender will let you borrow based on your income and expenses
Mortgage Repayments
Monthly repayments for your target property price and loan term
Save smarter with tax advantages
Use superannuation and government incentives to accelerate your deposit savings.
FHSS vs Bank Savings
Compare saving inside super vs a standard savings account
FHOG vs FHSS
Which government incentive saves you more?
FHSS Calculator
Model your FHSS contributions and tax savings
More tools for buyers
Frequently asked questions
What stamp duty concessions are available for first home buyers?
Every Australian state and territory offers stamp duty concessions or exemptions for first home buyers, but thresholds and amounts vary significantly. NSW offers full exemption up to $800,000, VIC up to $600,000, QLD up to $700,000. Use our state-specific calculators to see your exact savings.
What is the First Home Super Saver Scheme (FHSS)?
The FHSS allows you to save for your first home inside superannuation. You can make voluntary contributions of up to $15,000 per year (max $50,000 total) and withdraw them later with a tax advantage. This can save you thousands compared to saving in a standard bank account.
How much deposit do I need for my first home?
Most lenders require a minimum 5-20% deposit. With less than 20%, you'll typically need to pay Lenders Mortgage Insurance (LMI). First home buyers may qualify for government guarantees that allow a 5% deposit without LMI through the First Home Guarantee scheme.
Does HECS/HELP debt affect my borrowing power?
Yes, HECS/HELP repayments reduce your disposable income, which lenders factor into serviceability assessments. A $30,000 HELP debt could reduce borrowing power by $20,000-$40,000 depending on your income level.