Access up to $40,000 in NSW government grants, stamp duty exemptions, and buy with as little as 5% deposit. Your dream Sydney or regional NSW home starts here.
Regional NSW: Up to $650,000 property value
Popular areas: Newcastle, Wollongong, Central Coast, Blue Mountains
Example: $800K home = $32,000 stamp duty saved!
Saves: $15,000+ in LMI on a $600K purchase
Here's how much you can save buying in regional NSW:
Where NSW first home buyers are purchasing based on affordability and growth potential.
Penrith, Blacktown, Liverpool, Campbelltown
Median: $700K - $850K
Good for: Families, new builds, established suburbs
Gosford, Wyong, Terrigal, Lake Macquarie
Median: $650K - $800K
Good for: Lifestyle, regional grant eligible
Newcastle, Maitland, Lake Macquarie
Median: $700K - $850K
Good for: Jobs, regional grant, growth
Katoomba, Penrith, Springwood
Median: $650K - $750K
Good for: Lifestyle, regional grant
Wollongong, Shellharbour, Kiama
Median: $700K - $900K
Good for: Coastal lifestyle, regional grant
Orange, Bathurst, Albury, Wagga
Median: $450K - $650K
Good for: Maximum grants, affordability
We help you stack FHOG + Regional Grant + Stamp Duty exemptions for maximum savings.
Access First Home Guarantee with our panel of approved lenders. No LMI, just 5% down.
We shop 32+ lenders to find you the lowest rate and best first home buyer deal.
We help with grant paperwork and liaise with Revenue NSW on your behalf.
Know your budget before you shop. Fast conditional approval so you can bid with confidence.
We're paid by lenders, not you. Expert advice, zero cost.
No, the NSW FHOG ($10,000) is only for new homes or substantially renovated properties. However, the Regional First Home Buyer Grant offers $15,000 for existing homes in regional areas outside Sydney.
Areas outside Greater Sydney including Newcastle, Wollongong, Central Coast, Blue Mountains, Hunter Valley, and all regional NSW cities. The grant is $30K for new homes, $15K for existing homes.
No! With the First Home Guarantee scheme, you can buy with just 5% deposit and avoid LMI. We also have 10% deposit options with low LMI through various lenders.
On an $800K property, you save approximately $32,000 in stamp duty. Full exemption up to $800K, partial concession from $800K-$1M. This is one of the biggest benefits for NSW first home buyers.
Yes! All grants apply to houses, units, apartments, and townhouses. The property just needs to be within the price caps and meet the new/existing home criteria for each grant.
$125,000 for singles, $200,000 for couples. This is annual taxable income. Most first home buyers fall within this range.
Let's maximize your grants and get you pre-approved in 24 hours.
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