🏠 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
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

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