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How to apply for the $10,000 First Home Owner Grant in Western Australia
Our analysis shows the grant could save a homeowner a further $11,584 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.
Interest rates from
5.54%
p.a.
Comp. rates from^
5.58%
p.a.
Variable Bare Home Loan 90% LVR
Borrow up to $2m with competitive variable rates from 5.54% p.a. (comparison rate^ 5.58% p.a.). Enjoy flexible payment options, zero monthly or ongoing fees, unlimited free redraws and up to 30 year terms. 90% Max LVR applies. Visit site for T&Cs and to check eligibility.
The First Home Owner Grant (FHOG) is a one-off, tax-free grant available to eligible first-home buyers in Western Australia. It can help first-time homeowners cover some of the costs of buying a home in WA, but strict limits and eligibility criteria apply.
The First Home Owner Grant in Western Australia is $10,000 for eligible first-home buyers to buy or build a new home.
To qualify for the program, homes in Perth metropolitan areas must be valued under $750,000, while properties located north of the 26th parallel of South Latitude must be valued below $1,000,000. Eligible properties include:
You may not be eligible for the FHOG if you’ve owned or partly owned an investment property, even before 1 July 2000, (when the FHOG was introduced), according to RevenueWA.
Loan amount | |
With $10,000 WA FHOG | $600,000 (reduced to $590,000) |
Without WA FHOG | $600,000 |
Interest rate | |
With $10,000 WA FHOG | 6.00% p.a. |
Without WA FHOG | 6.00% p.a. |
Monthly repayments | |
With $10,000 WA FHOG | $3,537.35 (save $59.95) |
Without WA FHOG | $3,597.30 |
Total to repay | |
With $10,000 WA FHOG | $1,273,445 (save $21,584) |
Without WA FHOG | $1,295,029 |
Total interest payable | |
With $10,000 WA FHOG | $683,445 (save $11,584) |
Without WA FHOG | $695,029 |
| With $10,000 WA FHOG | Without WA FHOG | |
|---|---|---|
Loan amount | $600,000 (reduced to $590,000) | $600,000 |
Interest rate | 6.00% p.a. | 6.00% p.a. |
Monthly repayments | $3,537.35 (save $59.95) | $3,597.30 |
Total to repay | $1,273,445 (save $21,584) | $1,295,029 |
Total interest payable | $683,445 (save $11,584) | $695,029 |
Debbie Hays, Money.com.au's Home Loans Expert
“When applying for a home loan, lenders typically require you to demonstrate genuine savings equivalent to at least 5% of the loan amount, in addition to any grants you plan to use. Lenders will request three months of bank statements to assess your savings history and expenses. If you have a rental ledger, some lenders may consider rental payments as genuine savings.”
Debbie Hays, Money.com.au's Home Loans Expert
You can apply for the First Home Owner Grant through your lender (who will handle all the paperwork) or directly with RevenueWA.
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 apply via RevenueWA
You can lodge your grant application online and upload your supporting documents via the RevenueWA Online Application Portal.
If you’re approved for the FHOG, you’ll receive the payment once your name is registered on the property title (approximately 3-6 weeks after settlement) or at the first drawdown of funds if you’re building a new home.
Verify your eligibility for the First Home Owner Grant. Tick the relevant box for questions 1 to 8.
Each applicant must fill out their personal information and contact details. If you’re applying with a spouse, they must enter their details in the ‘Applicant 2’ section. There’s a separate section for spouses not party to the grant application further down.
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 include transaction details, such as your settlement date for a new home, a contract of sale or contract to build date.
If you’re applying directly through RevenueWA, you will need to nominate the bank account you’d like the grant paid into. If you’re applying through your lender, the grant will be paid to them in accordance with your agreement.
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.
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 Western Australia, the FHGB price cap is $850,0000 for homes in Perth and regional centres and $600,000 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 $10,000 WA 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.
First-home buyers may be eligible for an exemption on stamp duty in Western Australia for properties valued under $500,000 and vacant land under $350,000 . Above these amounts, concessional rates may still apply, depending on the property’s value and location.
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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 a decade 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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