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How to apply for the $30,000 First Home Owner Grant in Queensland
Our analysis shows the grant could save a homeowner a further $34,751 in interest if it’s put towards their home loan
Home loan guide written by Matthew Hart and reviewed by Jared Mullane. Updated 13 Feb 2026.
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The First Home Owner Grant (FHOG) is a one-off, tax-free grant available to eligible first-home buyers in Queensland. It’s designed to help first-time homeowners cover some of the considerable costs involved in purchasing a property in Queensland, but strict limits and eligibility criteria apply.
The First Home Owner Grant in Queensland is $30,000 for eligible first-home buyers to buy or build a new home). The grant was increased from $15,000 in November 2023 and remains available for eligible contracts signed before 30 June 2026.
The property must be valued below $750,000. Eligible property types include:
If you've owned or partly owned an investment property since 1 July 2000 (when the FHOG was introduced), you may still be eligible for the QLD FHOG to buy another property that will be your first home to live in. You’ll need to provide evidence that you have not lived in the investment property while you owned it. You may be asked to provide supporting documentation, including:
| With $30,000 QLD FHOG | Without QLD FHOG | |
|---|---|---|
Loan amount | $600,000 (reduced to $570,000) | $600,000 |
Interest rate | 6.00% p.a. | 6.00% p.a. |
Monthly repayments | $3,417.44 (save $179.86) | $3,597.30 |
Total to repay | $1,230,278 ( save $64,751) | $1,295,029 |
Total interest payable | $660,278 (save $34,751) | $695,029 |
Debbie Hays, Senior Mortgage Broker at Money.com.au
“Government grants can help first-home buyers get into the property market sooner, but lenders still want to see at least 5% of the loan amount in genuine savings. Some lenders will take rental payments as genuine savings if you can provide a rental ledger. Keep in mind that the home loan isn’t the only cost you’ll need to budget for as you’ll need to consider extra costs such as home insurance, council rates, maintenance, etc.”
Debbie Hays, Senior Mortgage Broker at Money.com.au
You can apply for the First Home Owner Grant through your lender (who will also manage the application) or directly with the Queensland Revenue Office (QRO).
If you apply via your lender
Complete the First Home Owner Grant application form and submit it to your lender with the supporting documents of the property purchase. You’ll also be asked to provide 100 points of Australian or state-issued documents that the lender can use for your home loan application. The lender will lodge your FHOG application on your behalf.
If you’re approved for the FHOG, you’ll usually receive the payment at settlement if you’re buying a newly-established home or at the first drawdown of funds for contracts to build a new home. If you’re building a home as an owner-builder, you’ll receive the grant when the final inspection certificate is issued.
If you apply via the Queensland Revenue Office
You can lodge your grant application online and upload your supporting documents via Queensland Revenue Office FHOG Online Application Portal. You’ll be able to track the status of your application online. You could alternatively post or email your completed application form and supporting documents to the QRO.
If you’re approved for the FHOG, you’ll usually receive payment within 10 working days of submitting your completed application and supporting documents.
Verify your eligibility for the First Home Owner Grant. Tick the relevant box for questions 1 to 13. Questions 9 to 13 will establish if disqualifying conditions exist.
Each applicant must fill out their personal information, including name, date of birth, address, contact details, etc. If you’re applying with a spouse, they must also enter their details within the same section under ‘Applicant 2’. There’s a separate section for spouses that won’t appear on the grant application.
Enter the details of the property you’re buying, including the street address or a lot number if a street number is not allocated (e.g. new housing estates or developments). You’ll also be asked to provide transaction details, such as if you have a contract to buy an established home or build a new one.
If you’re applying directly through QRO, you will need to nominate the bank account you’d like the grant paid into. If you’re applying through your lender, they will record your payment details for you.
Each applicant must agree to and sign the declaration to confirm that all information provided is true and correct, and that they’ve read and understood all the details completed on the application form.
Submit your completed First Home Owner Grant application form to your lender or the Queensland Revenue Office for review. You will be contacted if any details are missing or if further clarification is needed.
The First Home Guarantee (FHBG) is a nationwide program that helps eligible first-home buyers purchase a property with a deposit as low as 5%, including in regional areas under the Regional First Home Buyer Guarantee (RFHBG). Housing Australia guarantees up to 15% of the value of a first home, meaning you’d avoid lender’s mortgage insurance (LMI).
In Queensland, the FHBG price cap is $1,000,000 for homes in capital cities and regional centres and $700,000 for the rest of the state.
There’s also the Family Home Guarantee (FHG) to help eligible single parents or guardians buy a property with a deposit as low as 2%, with Housing Australia guaranteeing up to 18% of the property’s value.
Yes, it’s possible to use both the $30,000 QLD first-home buyer grant and FHBG if you qualify, according to Housing Australia. However, the FHOG is typically available only at settlement (i.e. after the completion of your property transaction), so it can’t directly be put towards the minimum 5% deposit for the FHBG.
Mortgage brokers we spoke to said in certain situations lenders might consider including your FHOG as part of your deposit, most commonly with off-the-plan property transactions.
Even if a lender does not accept FHOG funds as part of your deposit, being eligible for it may still help you when applying for a loan. For example, lenders may factor in the one-time payment when assessing your borrowing capacity, pending grant approval, according to ANZ
The Boost to Buy home ownership scheme is a shared equity initiative from the Queensland Government designed to help first-home buyers enter the property market sooner by reducing the size of the deposit and mortgage they need. Under the scheme, the government makes a financial contribution toward the purchase of a home in exchange for a share of equity in the property, meaning you own the home but share the value of the contribution with the state.
To qualify, first-home buyers must meet income and deposit requirements, including having a minimum 2% deposit, with property prices capped at $1 million. The scheme can provide up to 30% equity toward new homes and up to 25% equity toward existing homes, helping reduce how much you need to borrow and lowering your ongoing mortgage repayments.
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Matt joined Money.com.au in 2025 as a Finance Content and Media Specialist. With over a decade of experience in journalism and content creation, Matt is passionate about offering value to readers through engaging and informative content.
Jared Mullane is a finance writer with more than eight years of experience at some of Australia’s biggest finance and consumer brands. His areas of expertise include energy, home loans, personal finance and insurance. Jared is qualified with a Certificate IV in Finance and Mortgage Broking (FNS40821).
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