Chris Pullen | Blue Wave Property Real Estate
Buying your first home is a significant milestone, but navigating the financial requirements can be challenging. Thankfully, the Queensland Government continues to support first-time buyers with the First Home Buyers Grant (FHOG)—a financial boost designed to help you enter the property market. With the grant extended until 30 June 2026, now is a prime time to explore how you can take advantage of up to $30,000 in assistance.
At Blue Wave Property Real Estate, we specialise in helping first home buyers understand their entitlements and find the perfect property to suit their goals. This guide outlines everything you need to know about the FHOG for 2025–2026, including eligibility, application tips, common mistakes, and additional support options.
What Is the First Home Buyers Grant (FHOG)?
The FHOG is a one-off, tax-free payment offered by the Queensland Government to eligible first-time buyers purchasing a brand-new home, an off-the-plan property, or a substantially renovated dwelling. It’s designed to ease the financial pressure of buying your first home by contributing to your deposit or upfront costs.
As of 2025:
- $30,000 is available for contracts signed between 20 November 2023 and 30 June 2026
- $15,000 is available for contracts signed before 20 November 2023
Who Can Apply?
To be eligible for the FHOG in Queensland, you must meet the following criteria:
- Be at least 18 years of age
- Be an Australian citizen or permanent resident
- Have never owned residential property in Australia
- Intend to live in the home as your principal place of residence within 12 months of settlement
- Purchase a property valued at $750,000 or less
This applies whether you’re buying a new house, a unit, a townhouse, or a substantially rebuilt home (where most of the original structure has been replaced). Owner-builders may also qualify if their completed dwelling meets the grant’s criteria.
Eligible Property Types
The FHOG applies to:
- Brand-new homes (never lived in)
- Off-the-plan apartments or townhouses
- Substantially renovated homes (where the work is equivalent to a new build)
Not Eligible:
- Established homes (previously occupied)
- Properties over $750,000
- Vacant land (unless part of a house-and-land package)
How Much Can You Receive?
| Contract Date | Grant Amount |
| Before 20 November 2023 | $15,000 |
| 20 November 2023 to 30 June 2026 | $30,000 |
Note: The grant is per property—not per applicant. Couples applying jointly are eligible for one grant only.
How to Apply for the FHOG
There are two main ways to apply:
- Through an approved lender – This is the fastest and most efficient option. Your lender submits your application during the loan approval process.
- Directly via the Queensland Revenue Office (QRO) – Suitable if you’re not using a lender, but this process may take longer and require more documentation.
Documents Required:
- Valid ID (passport or driver’s licence)
- Signed contract of sale or building agreement
- Proof of intention to reside (e.g. utility bill in your name)
- Other supporting documents depending on your situation
To avoid delays, it’s best to apply as early as possible—especially if you’re managing the application yourself.
Avoid These Common Mistakes
First home buyers often miss out due to these simple but avoidable errors:
- Assuming an established property is eligible
- Failing to meet residency or value requirements
- Submitting incomplete applications
- Not applying within required timelines
To ensure everything runs smoothly, Blue Wave Property Real Estate offers guidance through every step—from selecting an eligible property to preparing your documents for submission.
Additional Support Available
Aside from the FHOG, there are other government initiatives that can help first-time buyers get into the market:
- Stamp Duty Concessions – Full exemption for homes under $700,000 and discounts up to $800,000. For vacant land, a full exemption will apply from May 2025.
- First Home Guarantee Scheme – Buy with just a 5% deposit and avoid paying Lenders Mortgage Insurance (LMI).
- Builder and Regional Grants – Some builders or local councils offer additional incentives. Ask Blue Wave Property Real Estate to help you find these.
Why Work with Blue Wave Property Real Estate?
We’re passionate about helping first home buyers navigate the property journey with confidence. From sourcing suitable properties to supporting your grant application, our team provides expert advice tailored to your needs.
We understand the ins and outs of government grants, off-the-plan purchases, and house-and-land packages. Our team ensures you’re not just eligible—but fully prepared to secure the maximum financial benefit.
Final Thoughts
The First Home Buyers Grant QLD 2025–2026 offers a golden opportunity to reduce your upfront costs and take that exciting first step into homeownership. But with strict eligibility rules and complex paperwork, it pays to get professional advice.
At Blue Wave Property Real Estate, we’re here to help you ride the wave into your first home. If you’re considering buying, get in touch today for personalised guidance—and make sure you don’t leave money on the table.
Disclaimer: This blog is intended as general information only and should be used as a guide. It does not take the place of professional advice. We recommend speaking with your solicitor, mortgage broker, or financial advisor to discuss your individual circumstances before making any property or financial decisions.