The 2026 Guide toQLD First Home Buyer Grants.
Every state and federal incentive currently available to Queensland first home buyers — clean, current, and stacked properly. Most buyers leave $20,000+ on the table because no one walked them through the paperwork. Brokerly is the expert who does.
The 2026 grant stack
Every incentive currently on the table.
$30,000 QLD First Home Owner Grant
For eligible first home buyers building or buying a new home under $750,000. Applies to most stages of Aura, Banya, Baringa and Nirimba.
Stamp Duty Concession (FHB)
Full exemption on homes up to $700,000. Tapered concession to $800,000. Saves typical first home buyers $15,000–$25,000.
Federal First Home Guarantee
5% deposit, no LMI. The Federal Government guarantees 15% of the loan, letting eligible buyers move in years earlier.
Regional First Home Buyer Guarantee
Lifts the property value threshold for buyers in regional QLD — including all of Sunshine Coast and Noosa LGAs. Same 5% deposit, no LMI.
Family Home Guarantee
For eligible single parents — buy with as little as 2% deposit, no LMI. Stacks with the QLD FHOG on a new build.
Help to Buy (shared equity)
Federal shared-equity scheme — the Government takes up to a 40% equity stake on a new build, dramatically lowering the loan size and repayments. Eligibility income-tested.
Grant amounts, thresholds and eligibility reflect QLD/Federal policy at time of writing and are subject to change. We confirm current settings against your specific contract before any application.
Coaching call
We do the paperwork. You get the keys.
Builders' contracts and grant rules don't always speak the same language. We pre-check your contract against the FHOG conditions, model the full grant stack in your construction loan, time progress payments around grant disbursement, and lodge every form with the Queensland Revenue Office on your behalf.
Check My Eligibility Call →No credit hit* to map your eligibility.
Eligibility we check
- · Australian citizenship / permanent residency
- · First-home status (no prior property ownership)
- · Property value under FHOG threshold ($750k for new build)
- · 6-month principal place of residence requirement
- · Builder & contract type eligibility for new-build grants
- · Income thresholds for First Home / Family / Regional Guarantees
- · Help to Buy shared-equity income & price caps
2026 QLD grants FAQ
The current questions every QLD first home buyer asks.
What is the QLD First Home Owner Grant in 2026?
The Queensland First Home Owner Grant remains $30,000 for eligible first home buyers building or buying a brand new home valued under $750,000. It applies to new builds in master-planned communities like Aura, Banya and Nirimba — making it one of the most generous first-home incentives in Australia. (Grant amounts subject to QLD policy at time of writing.)
What stamp duty concessions are available to QLD first home buyers in 2026?
First home buyers in Queensland can access full stamp duty exemption on homes valued up to $700,000 and a tapered concession up to $800,000. Combined with the $30,000 FHOG, the cash benefit on a typical Aura new build can exceed $40,000.
How does the Federal First Home Guarantee fit in?
The Federal First Home Guarantee (FHBG) lets eligible first home buyers purchase with as little as a 5% deposit without paying Lenders Mortgage Insurance — the government effectively guarantees the remaining 15%. Stacks cleanly with the QLD FHOG and stamp duty concessions for new builds.
Can I stack every grant together?
Yes, in most cases. We coach Aura, Banya and 4551 first-home buyers through the full stack: $30,000 FHOG + stamp duty concession + Federal First Home Guarantee — meaning a possible move-in with as little as 5% deposit and no LMI.
What is the most common reason buyers miss out on grants?
Builder contracts that don't meet FHOG conditions, settlement timing that disqualifies the 6-month residency rule, or income thresholds tripping the First Home Guarantee. We pre-check every contract before you sign — that's where the value of an experienced broker compounds.
Will checking eligibility affect my credit score?
No. Brokerly's eligibility check uses a soft-pull inquiry which does not affect your credit score. A formal hard credit inquiry only occurs when you choose to proceed with a specific lender's application.
General Advice Warning
Brokerly provides strategic educational frameworks. This information is general in nature and does not constitute personal financial product advice. We recommend consulting with a financial planner for advice tailored to your specific situation.
The grants get you in. Then what?
Most first home buyers spend the next 30 years on auto-pilot. The Brokerly Accelerator masterclass shows you the structure to compress that into under a decade — starting from the day you settle.
Explore the Accelerator MasterclassEducational content · Outcomes vary by individual circumstances
* Initial assessments use a soft-pull inquiry that does not affect your credit score. A formal credit inquiry (hard pull) will be required only upon submission of a formal loan application to a lender.