The Ultimate Guide toQLD First Home Buyer Grants.
Most first home buyers leave $20,000+ on the table because no one helps them stack the grants properly. This is the dedicated framework for Aura, Banya and 4551 buyers — every grant, every threshold, every contract trap to avoid.
The grant stack
Three grants. Stacked. Coached.
$30,000 FHOG
Queensland First Home Owner Grant for eligible new builds under $750,000 — including most stages of Aura, Banya and Nirimba.
Stamp duty concession
Full exemption to $700,000 and tapered concession to $800,000. Often $15,000–$25,000 of additional saving for first home buyers.
First Home Guarantee
Federal scheme letting eligible buyers move in with as little as 5% deposit — no LMI. Stacks with the state-based grants.
4551 specialist coverage
Aura, Banya, Baringa, Nirimba and Caloundra West — we know which builders, stages and contracts qualify for which grants.
Coaching call
We confirm eligibility before you sign anything.
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, and time progress payments around grant disbursement so you don't pay interest on funds you don't yet need.
Start your performance plan →Grant amounts and thresholds reflect QLD/Federal policy at time of writing and are subject to change. 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 Guarantee scheme
QLD grants FAQ
The questions every first home buyer asks.
What is the QLD First Home Owner Grant?
The Queensland First Home Owner Grant is currently $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.
Do I qualify for stamp duty concessions in QLD?
Yes — 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.
What is the First Home Guarantee scheme?
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%. We map whether you qualify and stack it with state grants where appropriate.
Can I stack the FHOG with the First Home Guarantee?
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.
Will applying for finance affect my credit score?
No. Brokerly's initial assessment 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.