First Home Buyer Grant QLD (2025): Complete Guide to the $30,000 Grant and Stamp Duty Savings

Mathew Heywood

Mathew Heywood

— 4 min read
First Home Buyer Grant QLD (2025): Complete Guide to the $30,000 Grant and Stamp Duty Savings
Photo by City of Gold Coast / Unsplash

Queensland in 2025 is the hottest destination right now for first time home buyers across Australia. This state offers a $30,000 First Home Owner Grant (FHOG) and is one of the most generous schemes you can find if you're buying your first home.   

I have mates of mine who move from cities like Melbourne and Brisbane jump into the market with almost nothing down, with the help of this grant and other schemes. Do note that the rules in this state are strict, you want to make sure you're not missing out on requirements or deadlines because it can cost you tens of thousands in free support. 

In this guide, let me walk you through everything you need to know about the First Home Buyer Grant in QLD in 2025. This includes : how much you can get, how to qualify, how to apply and how to properly stack it with stamp duty concessions and other government schemes to formulate the most economical purchase. 

What is the First Home Owner Grant (FHOG) in Queensland? 

  • The First Home Owner Grant (FHOG) in Queensland is known as the best program in Australia right now coming at $30,000 for eligible first time buyers. 
  • Available to first time home buyers planning on building or purchasing brand-new homes. 
  • This can apply to houses, units, townhouses and off-the-plan properties. 
  • Keep in mind that the home must be valued at $750,000 or less (including land and build) 
  • You must live a minimum of 6 months continuously with 12 months of purchase or completion. 
  • The grant is tax-free and does not need to be repaid. 

Who is eligible for the FHOG in Queensland? 

  • Must be a first time home buyer and never have owned a property before in Australia. 
  • Must be at least 18 years of age. 
  • At least one applicant must be an Australian citizen or have permanent residency. 
  • Property you seek must be occupied as your primary residence. 
  • Property must be brand-new and never previously lived in or sold before. 
  • You must apply within 12 months of settlement or completion. 

Stamp Duty Concessions for First Time Home Buyers in QLD

  • Zero stamp duty on homes under $500,000. 
  • Concessions for homes priced between $500,000 - $550,000 
  • Applies to existing and brand new homes. 
  • Can be combined with FHOG. 
  • Example : Potential savings of up to $15,925 on a $500,000

What Types of Property Qualify for the $30,000 FHOG in QLD?

  • Brand-new homes (Never lived in) 
  • Off-the-plan purchases. 
  • Substantially renovated homes (certified as new by a builder) 
  • Owner-builder constructions. 
  • House-and-land packages. 
  • Include units, duplexes, and townhouses, as long as they’re new and under $750,000. 

How to Apply for the First Home Owner Grant in Queensland

  • The easiest way to apply is through your mortgage broker or bank. 
  • You may also submit an application through to Queensland Revenue Office (QRO) directly. 
  • Grant will usually be paid at settlement or during the first drawdown on a construction loan. 
  • Application must be submitted with 12 months of completion or settlement. 

Required Documents are as follows : 

  • Proof of ID
  • Signed contract or building agreement. 
  • Statement of Occupancy. 
  • Evidence of any progress payments if it is a new build. 

Common Mistakes Made by First Home Buyers in Queensland

  • Buying a previously lived in home - FHOG is for new homes only. 
  • Accidentally purchasing above $750,000 - even $1 over would mean ineligibility. 
  • Assuming that the grant is automatically applied on purchase (you must apply) 
  • Forgetting the owner-occupancy requirement, you must live in this home. 
  • Not applying within the 12 month window of completion or settlement.  

Best Tips to Maximise on the First Home Owner Grant in QLD 

  • Remember you can Combine FHOG with the First Home Guarantee to avoid LMI. 
  • You may want to consider building in QLD to stretch the grant even further. 
  • Can be stacked with stamp duty savings to save even more up front. 
  • Using a trusted broker is the easiest way to navigate all the programs and benefits. 
  • When working with builders to ask about “turnkey” packages, this will save you from having to worry about upfront costs. 

Real Example: How John Used the $30k Grant to Buy in Logan 

John, a 28-year-old first time home buyer, purchased a $495,000 brand-new townhouse in Logan. Here is how he made it work:

  • Received $30,000 FHOG through his lender. 
  • Paid no stamp duty (Exemption for homes below $500,000) 
  • Secured a low deposit home loan using First Home Guarantee, meaning no LMI. 
  • Used the savings from the grant to pay for his moving costs and furnishing the home. 
  • Moved in within 3 months and lived there for at least 6 months qualifying him for the 6-month minimum occupancy rule. 

All together John’s savings totaled around $45,000 with the grant and stamp duty exemption, giving him a fantastic headstart in home ownership. 

Conclusion: Is the QLD First Home Buyer Grant Worth It 

Yes this is absolutely one of the best saving schemes in all of Australia. The $30,000 First Home Owner Grant in Queensland is unmatched especially in combination with other stamp duty savings and programs. Not many other states offer the same as its entirely possible to save up to $40,000 - $50,000 on your first home. 

Not sure if you qualify or need help? Visit www.homebuyerhelp.com.au and get our free grant calculator/ checker. Also if you want more useful free guides like this we offer a wide range of step-by-step guidance and support programs to help you buy your first home.

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