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What's the First Home Owner Grant?

The First Home Owner Grant is a one-off payment from the government to first home owners who meet the eligibility criteria. These requirements differ depending on which state or territory you're buying a property in. Learn more and find out if you're eligible on the official First Home Owner Grant website, where you can confirm your own state's or territory's requirements.

We've listed some of the criteria here, but remember that these differ from one state or territory to another and are subject to change:

  • You must be at least 18 years of age
  • At least one applicant should be an Australian citizen or permanent resident
  • It's only available for new homes 
  • You must not have owned a home before, either on your own or with someone else
  • You must not have received any first home owner grants before
  • You should live in the property for a period of time as required by your particular state or territory
  • Applications should be made within 12 months of settlement or construction completion
  • The property should not cost more than the limits defined by your particular state or territory

Again, remember that this is not a comprehensive list of criteria, and that you'll need to confirm your state's or territory's own eligibility requirements.

How do I apply for the First Home Owner Grant?

As we take you through our loan application process, we'll also guide you through the application process for the grant. 

Receiving the payment

If your First Home Owner Grant was successfully lodged through ANZ, the funds will be available to you:

  • at the first progress payment (for a building contract)
  • when the certificate of occupancy/completion is ready (for an owner-builder)

It's up to you whether you use the money for the property cost, or for any fees and charges you have to pay.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Terms and Conditions and Product Disclosure Statement, which are available at or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.