The 2026 Scheme
Stacking Cheat Sheet
Which Australian first home buyer schemes you can legally combine, what each one is worth, and the cash you actually need at settlement — state by state, in four pages.
Stacking Cheat Sheet
- The 20% myth, corrected. Where the rule came from and why it no longer applies.
- All five stackable schemes, what each gives you, and what each costs you.
- A stacking matrix — six combinations, marked legal or not, with typical savings.
- All 8 jurisdictions — cash grant, duty exemption and 5% scheme cap per state.
- Three worked examples showing before-and-after cash requirements.
- The five mistakes that cost first home buyers the most money.
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Why this guide is different
Verified against primary sources
Every figure checked against Housing Australia, the ATO and each state revenue office. Not a comparison site, not a broker's summary.
We take no referral fees
We are not a broker, lender or developer. We don't receive a commission for anything on this page, which is why the numbers don't have an agenda.
Updated when policy changes
Australian schemes change several times a year. Every change is logged with its effective date on our updates page.