Thinking about buying your first home in Western Australia? The First Home Owner Grant (FHOG) — or as most people call it, the First Home Buyers Grant — could give you a real boost. It’s a one-off payment of up to $10,000 to help cover some of those upfront costs and make getting your first home a bit easier.
In this expert-written guide, we’ll walk you through how it works, who can get it, and how to make sure you get every dollar you’re entitled to.
Let’s dive in…
What Is WA's First Home Buyers Grant?
Buying your first home in Western Australia can feel overwhelming. The First Home Owner Grant (FHOG) simplifies the process with clear, upfront benefits. Here’s a quick snapshot to help you understand what’s available, who qualifies, and how to apply.
Key Facts About The WA FHOG (At a Glance)
- The FHOG provides a one-off payment of up to $10,000.
- Only applies to newly built homes or units, including new builds on vacant land.
- Established or previously lived-in homes do not qualify (Revenue WA, 2025).
- You can use the grant for your deposit, legal fees, or initial home expenses.
- Perth metro and areas below the 26th parallel: property value must be $750,000 or less.
- Regional WA and areas above the 26th parallel: property value must be $1 million or less.
- Includes apartments, townhouses, and units, provided they are newly constructed and never occupied.
- You must move into your new home within 12 months of settlement or construction completion.
- You must live in the property for at least six continuous months as your principal residence.
- This ensures the FHOG supports genuine first-time homeowners, not investors
- The WA FHOG does not restrict eligibility based on income or savings.
- Whether you earn $50,000 or $200,000 per year, you can still apply.
- This makes it accessible to a wide range of first-time buyers across WA.
- Applications can be lodged before settlement or after completion, depending on your lender or direct Revenue WA application.
- Applying through a licensed mortgage broker often speeds up processing.
- You will receive a Unique Identification Number (UIN) for tracking your application.
Who Is Eligible For Western Australia's $10,000 First Home Buyers Grant?
The WA First Home Owners Grant (FHOG) is designed to help first-time buyers get a foothold in the property market. However, not everyone automatically qualifies. You must meet specific eligibility requirements regarding first home buyer status, property type and value, residency, and age. Meeting these rules is essential, or your application will be denied.
First Home Buyer Status
At the time of application, all buyers must:
- Never received the First Home Owners Grant in any state or territory of Australia. This ensures the grant goes to genuine first-time buyers who haven’t accessed government support before.
- Never owned or held interest in residential property in Australia, individually or jointly. Even partial ownership in the past can disqualify you, so check your property history carefully.
Exceptions exist for previous ownership due to legal requirements, such as divorce settlements. In these cases, you may still qualify as a first home buyer.This allows people affected by legal proceedings to still access support without penalty.
Residency Requirements
To qualify, at least one applicant must:
- Be an Australian citizen. Citizenship ensures applicants are permanently committed to living in Australia. If not a citizen, you should…
- Be an Australian permanent resident. Permanent residents must provide proof to verify their long-term eligibility.
Minimum Age
All persons listed on the title must be:
- At least 18 years old at settlement. This ensures applicants are legally able to enter into a property contract.
Under section 9A(2) of the FHOG Act, the Commissioner may grant an exemption from the age requirement if satisfied that:
- The applicant intends to comply with the residence requirements to the extent required.
- The application does not form part of a scheme to circumvent limitations on, or requirements affecting, eligibility for or entitlement to the grant.
In such cases, applicants under 18 may be required to provide substantial evidence of their financial independence and commitment to the residency requirements. This includes proof of income, employment, and the ability to meet loan obligations if applicable.
Property Type, Value, and Location
The FHOG only applies to newly constructed homes — not established properties.
- Perth metro and areas below the 26th parallel: combined land and building value must be $750,000 or less. This cap helps the grant target affordable homes in high-demand areas.
- Regional WA and areas above the 26th parallel: combined value must be $1 million or less. Regional areas have a higher cap to reflect local property values and encourage growth.
- The first home buyers grant can be used to buy apartments and units, provided they are newly built and never occupied. The grant focuses on first-time buyers buying brand-new housing stock.
- The property must become the principal place of residence for the applicants for a minimum of six continuous months within 12 months of settlement or construction completion. This ensures the FHOG supports genuine homeownership rather than investment purposes.
How Much Is The First Home Buyers Grant In Western Australia?
The WA First Home Owners Grant (FHOG) provides up to $10,000 per eligible transaction. This amount applies whether you are buying off the plan, building on vacant land, or constructing a new home.
The grant is paid as a one-time lump sum per approved application, giving you flexibility to use it where it matters most. You can use the $10,000 to:
- Boost your home deposit savings and reduce upfront costs.
- Cover initial legal and mortgage fees to make settlement easier.
- Purchase essential furnishings or whitegoods for your new home.
- Make extra repayments on your home loan to reduce interest.
Ultimately, the FHOG is designed to help first-time buyers ease the financial pressure of entering the property market. You have the freedom to apply the funds wherever they are most needed, once construction is complete or settlement occurs.
Step-by-Step Guide: How To Apply For The WA First Home Owners Grant
Applying for the First Home Owners Grant (FHOG) in WA doesn’t have to be complicated. Following these steps helps ensure fast assessment and payment of your grant.
Step 1 – Confirm Your Eligibility
Before applying, check that you meet the first home buyer criteria for WA. This includes verifying:
- Previous property ownership or interest.
- Property type, value, and location.
- Permanent residency or citizenship status.
- Minimum age requirements.
Confirming eligibility early prevents delays and reduces the risk of your application being rejected.
Step 2 – Prepare Required Documentation
Gather all necessary documents before submitting your application. Common requirements include:
- Photo ID such as a driver’s license or passport.
- Copies of signed contracts or construction agreements.
- Transaction records and proof of residency if applicable.
Having your documents ready streamlines processing and ensures you can lodge without delays.
Step 3 – Submit Your Application
You can submit your application directly via the State Revenue Office (Revenue WA) online portal or through an approved agent or mortgage broker, such as Hunter Galloway.
Using a broker often simplifies documentation checks, helps avoid errors, and speeds up processing. Hunter Galloway’s property finance experts can handle your entire FHOG application on your behalf, guiding you through each step.
Step 4 – Receive Your Unique Identification Number (UIN)
Once your application is lodged, you’ll receive a Unique Identification Number (UIN). Always quote this number when contacting Revenue WA to check status updates or timelines.
Step 5 – Payment After Completion
The FHOG is paid once your home is complete:
- At settlement if buying off the plan.
- Once construction finishes for new builds.
Funds can be paid directly to your bank account or to your lender along with your home loan payout.
Regardless of the payment method, the $10,000 grant helps reduce upfront costs and gives first-time buyers a financial boost to start their homeownership journey.
What Happens If You Don’t Meet FHOG Conditions?
While the First Home Owners Grant (FHOG) provides a $10,000 boost for first-time buyers in WA, you must meet certain conditions to keep it. Failing to do so may require repayment or penalties. Understanding these rules early can save stress and money.
If you don’t occupy the home within 12 months of settlement or construction completion, Revenue WA may require you to repay the grant.
The property must also be your principal place of residence for at least six continuous months. Not meeting this residency period can trigger repayment.
Providing false or misleading information on your application is a serious offence under WA law. Penalties include fines and repayment of the grant, so it’s crucial to be accurate and honest.
What to Do If Your Circumstances Change
Life can change after buying a home. If you sell early, relocate for work, or experience a relationship breakdown, you may still be able to comply with FHOG rules. In some cases, the Commissioner may allow a shorter residency period, a delayed move-in, or exempt certain joint applicants.
To request an exemption, reduction, or extension of the residency requirement, you must submit Form F-FHOG2: Reduction or Extension Application: Residence Requirements to Revenue WA. Always notify Revenue WA in writing within 30 days of realizing you cannot meet the standard conditions.
How To Repay the FHOG
If repayment is required, the full amount must be returned to Revenue WA. Payments can be made via:
- Credit card (MasterCard or Visa) through the online facility or by phone. A small administration fee applies.
- BPAY from your bank, credit union, or building society. Use Biller Code 969188.
If you haven’t received an assessment notice, contact Revenue WA for guidance on the next steps.
Contact Revenue WA for Assistance
For questions or support, you can contact Revenue WA on www.wa.gov.au
Following these rules ensures you keep the grant, avoid penalties, and remain compliant with WA’s FHOG program.
Stamp Duty Concessions For First Home Buyers in WA
In addition to the $10,000 First Home Owners Grant (FHOG), first-time buyers in Western Australia can save thousands through stamp duty (transfer duty) exemptions or discounts. These concessions make purchasing your first home even more affordable.
For residential properties:
- Homes priced up to $430,000 are eligible for a full stamp duty exemption.
- Homes priced between $430,001 and $530,000 pay a concessional stamp duty rate.
For vacant land:
- Full exemption applies up to $300,000.
- Concessional rates apply for land valued up to $400,000.
Combining the FHOG with stamp duty savings can make a significant difference. For example, a first home buyer purchasing a $420,000 new home could save over $14,000 in stamp duty and also receive the $10,000 FHOG, bringing the total benefit to $24,000.
These savings can help cover your deposit, fees, or initial home costs, giving you a stronger start on the property ladder.
Additional Benefits Available For First Home Buyers In Western Australia
First home buyers in WA can access several additional schemes beyond the $10,000 FHOG. These programs are designed to reduce upfront costs, lower deposits, and make homeownership more achievable.
Part of the national Home Guarantee Scheme, this program lets you buy a home with only a 5% deposit. It’s available not just for first-time buyers, but also for those who haven’t owned property in Australia in the last 10 years, giving more people the chance to enter the property market.
Regional First Home Guarantee
This scheme is specifically for buyers in regional WA areas. Like the standard First Home Guarantee, it requires just a 5% deposit. It encourages development and homeownership outside major metropolitan areas.
Family Home Guarantee
Designed for single parents or guardians, this program allows you to purchase a home with a deposit as low as 2%. You don’t need to currently own property, and it doesn’t matter if you plan to retain another property. This guarantee supports families in achieving their first home.
This government initiative helps you save up to $50,000 for your deposit using your superannuation. Contributions benefit from tax advantages, allowing first-time buyers to grow their deposit faster and more efficiently.
Under this program, the government can co-invest in your home to improve affordability. It covers up to 40% of new builds and 30% of established properties, with 10,000 spots available per year for eligible applicants. This reduces upfront costs and loan size, making homeownership more achievable sooner.
These schemes can be combined with the FHOG and stamp duty concessions to create significant financial benefits. Together, they make WA first home ownership more attainable for a wide range of buyers.
First Home Buyers Grant WA FAQs
What is the maximum amount of the First Home Buyers Grant in WA?
The maximum First Home Owners Grant WA amount is $10,000 per eligible application. It applies to newly built homes or units — whether you’re building on vacant land, constructing a new property, or buying off the plan. The grant is a one-time payment, available only once per applicant.
How can I maximize my chances of getting the grant?
To boost your chances of success:
- Confirm eligibility before applying — check your first home buyer status, residency, age, and property details.
- Gather all required documents early, like ID, contracts, and proof of residency.
- Apply through an approved lender or agent (like Hunter Galloway) to avoid delays or missing paperwork.
Review your forms carefully to prevent errors that could slow approval.
Do first home buyers in WA pay stamp duty?
It depends on the property value:
- Full exemption for new homes up to $430,000.
- Discounted rate for homes between $430,001 and $530,000.
- For vacant land, full exemption applies up to $300,000, and a concessional rate up to $400,000.
This means many first home buyers in Perth and WA save thousands on stamp duty in addition to receiving the $10,000 FHOG.
Can I use the First Home Owners Grant to buy land only?
No. You can’t use the First Home Owners Grant Perth or WA to buy land by itself. The grant only applies once you start building or buy a newly constructed home.
Can I buy an established home and still get the grant?
No. The First Home Buyers Grant Perth only applies to newly built or substantially renovated homes that have never been lived in before. Buying an older or established home does not qualify.
Do I need to meet an income or assets test to get the grant?
No. There are no income or asset restrictions for the WA First Home Owners Grant. You can apply regardless of your income or savings.
What happens if I move out of my new home early?
If you don’t live in your new property for at least six continuous months within 12 months of settlement or completion, you may need to repay the grant. Always contact Revenue WA if your living situation changes.
Can couples apply jointly?
Yes. Couples, partners, or friends can apply together as long as neither has previously owned property or received the First Home Owners Grant Perth or WA.
How long does it take to receive the $10,000 payment?
If you apply through your lender, the payment usually arrives at settlement (for purchases) or after construction completion (for new builds). Direct applications to Revenue WA typically take 4–6 weeks.
Can I build the home myself as an owner-builder and still qualify?
Yes. Owner-builders can qualify if the total building value meets the WA FHOG property limits and all building documentation — like permits and contracts — is submitted correctly.
Can I combine the FHOG with other first home schemes?
Yes. Many first home buyers in Perth and regional WA combine the First Home Owners Grant with other programs such as the First Home Guarantee (5% deposit), Regional First Home Guarantee, or WA stamp duty concessions for even greater savings.
Is the First Home Owners Grant different in Perth compared to regional WA?
The First Home Buyers Grant Perth follows the same $10,000 amount as regional WA, but the property value cap differs. In Perth (below the 26th parallel), the total home and land value must be $750,000 or less. In regional areas above the 26th parallel, it increases to $1 million. This ensures the grant supports affordability across different housing markets.
Let WA's Home Buying Experts Guide You On the First Home Journey
Becoming a first time property owner can feel overwhelming with so much to organize, plan for and understand. Questions pop up everywhere about eligibility, process, purchasing costs and more. Questions better answered by experts versus tackling all alone.
That’s why Western Australians have trusted Hunter Galloway for over 10 years as specialist first home buyer finance partners. Speak to our property finance experts for personalised step-by-step guidance tailored to your unique home ownership goals and circumstances.
We de-mystify eligibility particulars, paperwork demands, application nuances and available financial support so you can feel fully empowered, informed and ready to take the first home leap with confidence.
If you want to get started, please give us a call on 1300 088 065 or book a free assessment online to see how we can help.
Start again
