First home buyer guide
First Home Buyer Guide NT 2026-27
Complete first home buyer guide for Northern Territory. Stamp duty concessions, First Home Owner Grant, FHSS eligibility, and savings calculator for NT in 2026-27.
Stamp duty concessions FHOG + FHSS
What first home buyers get in NT
→ No specific first home buyer stamp duty exemption
→ $50,000 HomeGrown First Home Owner Grant for new homes, no price cap (contracts signed by 30 September 2027)
→ House and Land Package Exemption: full stamp duty exemption, no value cap, on a new detached home bought as a house-and-land package from a building contractor (owner-occupiers, contracts to 30 June 2027; not FHB-specific)
→ Home Renovation Grant may also be available for eligible properties
→ FHSS scheme available to boost your deposit savings through super
Stamp duty — first home buyer vs standard
See how much you could save on stamp duty as a first home buyer in Northern Territory.
| Property price | Standard duty | FHB duty | You save |
|---|---|---|---|
| $400k | $16,514.31 | $16,514.31 | — |
| $500k | $23,928.60 | $23,928.60 | — |
| $600k | $29,700.00 | $29,700.00 | — |
| $700k | $34,650.00 | $34,650.00 | — |
| $800k | $39,600.00 | $39,600.00 | — |
| $900k | $44,550.00 | $44,550.00 | — |
| $1M | $49,500.00 | $49,500.00 | — |
Related tools
FAQ
Does the Northern Territory have stamp duty exemptions for first home buyers?
The Northern Territory does not offer a specific first home buyer stamp duty exemption like NSW or VIC. Its stamp duty concession is the House and Land Package Exemption (HLPE), which is open to any owner-occupier, not just first home buyers: it removes stamp duty entirely when you buy a new detached home as a house-and-land package from a building contractor in a single contract signed between 1 July 2022 and 30 June 2027, and at least one buyer moves in as their principal place of residence within 12 months of completion. Buyers of established homes pay standard NT stamp duty. First home buyers can also access the $50,000 HomeGrown FHOG for new homes with contracts signed by 30 September 2027.
What is the House and Land Package Exemption (HLPE) in the NT?
The House and Land Package Exemption is a full NT stamp duty exemption for buying a house and land package from a building contractor in a single transaction, with the contract signed between 1 July 2022 and 30 June 2027. The builder must agree to build or place a new detached home on the land, finish a partly built one, or transfer a completed new detached home. It is not means tested and has no cap on property value. At least one applicant must live in the home as their principal place of residence within 12 months of completion, for a continuous period of at least 6 months. First home buyers purchasing an eligible new home can combine it with the HomeGrown FHOG.
How much is the NT First Home Owner Grant and when does it expire?
Under the HomeGrown scheme, the NT First Home Owner Grant is $50,000 for eligible new homes, with no build or purchase price cap. To qualify, the contract to build or purchase must be signed between 1 October 2024 and 30 September 2027 (the grants run a 36-month window). This is one of the largest first home owner grants in Australia. After the expiry date, check NT Treasury for any successor scheme.
Related calculators
NT First Home Buyer First home buyer stamp duty concessions and grants in the Northern Territory NSW First Home Buyer FHB stamp duty exemption up to $800k VIC First Home Buyer FHB duty exemption up to $600k QLD First Home Buyer FHB exemption - new homes any price WA First Home Buyer FHB duty exemption up to $600k TAS First Home Buyer FHB duty from 1 Jul 2026 (exemption ended) + $20k FHOG