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You2
State3
Property4
Price5
Deposit6
Income7
YouQuestion 1 of 7
Who is buying?
No data is sent. Everything stays in your browser.
Question 2 of 7
Where do you want to buy?
Each state has different FHOG cash, stamp duty concessions, and price caps.
Pick a state to see its specific benefits.
Question 3 of 7
New build, or established home?
State FHOG cash grants are only paid for new homes in most states.
Question 4 of 7
What price range are you looking at?
$750,000
Drag to set your target purchase price. This sets the cap for FHOG, the 5% scheme and Help to Buy in your state.
Question 5 of 7
What can you put down today?
$50,000
Includes voluntary contributions plus any employer contributions. Up to $50,000 per person can be released tax-effectively.
Question 6 of 7
Income & citizenship
$95,000
Help to Buy caps at $103K single / $165K joint. The 5% Deposit Scheme has no income cap from 1 Oct 2025.
Help to Buy is citizen-only by default. The 5% Deposit Scheme accepts citizens and permanent residents.
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Here's your path home.
Based on what you told us, here's what you qualify for.
What you could walk away with
Grants & duty saved
$0
Cash grants + stamp duty you avoid
LMI avoided
$0
With 5% scheme or FHG
Weekly deposit
$0
Off-the-plan plan equivalent
Every pathway, ranked
Important: This is editorial information, not financial advice. Final eligibility, scheme stacking and income calculations are assessed by Housing Australia and your lender. Always confirm details with the relevant scheme administrator and a licensed mortgage broker before relying on them.