First Home Buyer WA & Perth | Grants Up To $10,000 | Esteb and Co
🏠 First Home Buyers WA

First Home Buyer
Grants & Loans WA

Access up to $10,000 in WA government grants, transfer duty exemptions, and buy with as little as 5% deposit. Your Perth or regional WA 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

$10,000
First Home Owner Grant
5% Deposit
Via First Home Guarantee
Save $20K+
Transfer duty concessions

WA First Home Buyer Grants

$10,000

First Home Owner Grant (FHOG)

  • $10,000 for new/substantially renovated homes
  • No property price cap in WA!
  • Must be your principal place of residence
  • Occupy within 12 months for 6+ months
Save $20K+

Transfer Duty Concessions

  • 75% reduction on properties up to $430,000
  • Tapered concession $430K - $530K
  • Saves approximately $16,000 on $430K
  • Applies to new and existing homes
5% Deposit

First Home Guarantee

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

Keystart Low Deposit Loans

  • WA-only government scheme
  • 2% deposit option (with guarantor)
  • 5% deposit (solo)
  • Income limits: $120K single, $170K couple

Maximum Savings in WA

+ $10,000
FHOG (new home)
+ $16,000
Transfer duty saved
+ $15,000
LMI saved (5% deposit)
$41,000+
Total Savings on a $430K New Home in WA!

Popular WA First Home Buyer Locations

🏘️ Outer Perth

Mandurah, Rockingham, Baldivis, Ellenbrook

Median: $400K - $600K

🌊 Coastal Perth

Fremantle, Joondalup, Butler

Median: $500K - $800K

⛰️ Regional WA

Bunbury, Geraldton, Albany

Median: $350K - $500K

WA First Home Buyer FAQs

Does WA have a property price cap for FHOG?

No! WA is unique - there's no price cap on the $10,000 FHOG. You can buy a $2 million new home and still get the grant (as long as it's your first home).

What's Keystart and should I use it?

Keystart is a WA government low-deposit loan scheme. Great for buyers with 2-5% deposit, but rates are typically 0.5-1% higher than regular lenders. We'll compare Keystart vs First Home Guarantee to find your best option.

Can I get FHOG for an apartment?

Yes, as long as it's a new apartment (never been occupied) or substantially renovated. Many buyers use FHOG for new apartments in Perth CBD.

Ready to Buy in WA?

Let's maximize your grants and compare Keystart vs regular lenders.

Check Eligibility Call 0424 406 977

📍 Servicing all of WA - Perth, Mandurah, Bunbury, Regional WA

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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