First Home Buyer Victoria & Melbourne | Grants Up To $20,000 | Esteb and Co
🏠 First Home Buyers Victoria

First Home Buyer
Grants & Loans Victoria

Access up to $20,000 in Victorian government grants, stamp duty exemptions, and buy with as little as 5% deposit. Your Melbourne or regional VIC home starts here.

Check Your Eligibility Call 0424 406 977

Important Information

Esteb and Co provides credit assistance services. We are licensed credit representatives (ASIC Credit Rep #574070) who help you compare loan options from our panel of lenders. We do not lend money directly. All loan approvals are made by lenders, subject to their criteria and responsible lending assessments. Our service is free to you - we receive commissions from lenders. Read our Credit Guide

Up to $20K
In VIC government grants
5% Deposit
Via First Home Guarantee
$0 Stamp Duty
On properties up to $600K

Victorian First Home Buyer Grants

$10,000

First Home Owner Grant (FHOG)

  • $10,000 for new/substantially renovated homes
  • Property value up to $750,000
  • Must be your principal place of residence
  • Live there for 12 months minimum
Up to $10,000

Regional First Home Buyer Grant

  • $10,000 for existing homes in regional VIC
  • Applies outside Melbourne metro
  • Geelong, Ballarat, Bendigo eligible
  • Can stack with FHOG ($20K total on new regional home)
Save $25K+

Stamp Duty Concessions

  • Full exemption up to $600,000
  • Partial concession $600K - $750K
  • Saves ~$25,000 on a $600K property
  • Applies to new and existing homes
5% Deposit

First Home Guarantee

  • Buy with just 5% deposit (no LMI)
  • Melbourne price cap: $950,000
  • Regional VIC: $650,000
  • Government guarantees 15% of loan

Maximum Savings in Regional Victoria

+ $10,000
Regional FHB Grant
+ $10,000
FHOG (new home)
+ $15,000
LMI saved (5% deposit)
+ $25,000
Stamp duty saved
$60,000+
Total Savings on a $600K New Home in Regional VIC!

Popular VIC First Home Buyer Locations

🏙️ Outer Melbourne

Melton, Pakenham, Cranbourne, Werribee

Median: $550K - $700K

🌊 Geelong

Geelong, Ocean Grove, Torquay

Median: $650K - $850K

⛰️ Ballarat & Bendigo

Regional cities with growth

Median: $500K - $650K

Victoria First Home Buyer FAQs

Can I get $20,000 in grants in Victoria?

Yes! If you buy a new home in regional Victoria, you can stack the $10,000 FHOG with the $10,000 Regional FHB Grant for a total of $20,000.

Does the stamp duty exemption apply to apartments?

Yes! The Victorian first home buyer stamp duty concession applies to houses, apartments, units, and townhouses under $750K.

What's the income limit for First Home Guarantee?

$125,000 for singles, $200,000 for couples (annual taxable income).

Ready to Buy in Victoria?

Let's maximize your grants and get you pre-approved.

Check Eligibility Call 0424 406 977

📍 Servicing all of Victoria - Melbourne, Geelong, Ballarat, Bendigo & Regional

Ricky Esteb - Licensed Mortgage Broker
Richard (Ricky) Esteb
Licensed Mortgage Broker & Founder
Credit Rep #574071 ACN 681 636 056 83+ Lender Panel

With direct experience helping Australians secure home loans, car finance, and business funding, Ricky founded Esteb and Co to bring transparency and technology to mortgage broking. Every piece of content is written from real-world lending experience.

✓ Verified & Last Reviewed: December 2025 | Content meets ASIC regulatory requirements
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