Financial support for eligible first-time buyers purchasing or building a new home.
Reduced stamp duty or exemptions for first-home buyers meeting specific criteria.
Allows eligible first-home buyers to purchase a property with a low deposit without paying Lender’s Mortgage Insurance (LMI).
Additional grants for eligible new home buyers building or purchasing a home in regional areas.
Government co-ownership schemes to help low- and moderate-income earners purchase a home.
Grant Amount: $10,000
Eligibility:
Available for new homes only valued up to $750,000.
Includes newly built homes, house-and-land packages, or off-the-plan purchases.
Applicants must live in the home for 12 months within 12 months of settlement or construction completion.
Must be 18+, and be an Australian citizen or permanent resident (or applying with one).
Neither applicant nor their spouse/de facto partner can have owned residential property in Australia previously.
Benefit:
Full or partial stamp duty exemption/concession for eligible first home buyers purchasing a new or existing home, or vacant land to build on.
Eligibility:
Full stamp duty exemption for homes valued up to $600,000.
Concessional stamp duty rates apply for homes valued between $600,000 and $750,000.
Applies to both new and existing properties.
For vacant land, stamp duty is based on land value only.
Applicants must occupy the property as their principal residence for at least 12 continuous months.
Must be an Australian citizen or permanent resident purchasing their first home.
Benefit:
Buy a home with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI).
Eligibility:
Must be a first home buyer or not have owned property in the last 10 years.
No Income Caps: First Home Buyers with higher incomes can access the Scheme.
Must live in the home as your principal residence.
Property price caps apply. VIC – Capital City and Regional Centre $950,000 and VIC – Other $650,000.
Unlimited places for all Australian first home buyers who have saved 5% deposit.
Benefit:
Withdraw up to $50,000 from voluntary super contributions to use as your first home deposit.
Eligibility:
Must be purchasing a first home to live in, not an investment property.
Can release up to $15,000 per year, max $50,000 total.
Must occupy the home for 6 months within the first 12 months of ownership.
Age 18+.
Additional super rules apply depending on contribution type.
Discover how Triple O Finance helped a dedicated nurse and a corrective services officer secure their first home. With tailored financial solutions and expert guidance, their property has now grown in value, marking a successful step towards long-term financial security.
Saving for a home deposit can be one of the biggest challenges for first-time buyers. From understanding how much deposit is needed to exploring low-deposit loan options and government grants, we guide you through every step. Learn how Triple O Finance helps first home buyers, especially emergency professionals, overcome deposit hurdles and make homeownership achievable
We can not thank the Triple 0 finance team enough for their help in securing our dream home. Special shout out to Nish and Ash for their dedication, open communication and support throughout the loan application process. From day one, we knew we were in safe hands. Every time we raised a concern, they had a solution. Nish and Ash made the whole process run smoothly and secured us a fantastic rate considering the current climate. Thanks guys!
We found Ash and Triple O Finance Team through an online platform.
Ash set up an interview with me and obtained all our financial requirements and objectives.
The Initial application was for refinance of our family home for a better interest rate and some debt consolidation. Ash and his Team reviewed our application and provided us with a very competitive interest rate along with the cash back offer.
We recently worked with Triple O Finance for our mortgage needs and what a pleasure it was. Nishant is highly knowledgeable and guided us flawlessly throughout the process. During our initial call he was meticulously prepared and clearly understood our requirements. He walked us through all the options with a clear thought process and helped us choose the best option for our needs.
I recently had the pleasure of working with Nishant and Jill from Triple O Finance to purchase my house, and I couldn’t be happier with the experience. Nishant went above and beyond to ensure a smooth and successful transaction.
By our personal experience, we highly recommend Triple 0 Finance for all your loan and financial needs. Nishant and their team are exceptionally knowledgeable and adept in their fields, offering a wide range of the latest financial products. From the moment we reached out to Nishant Ramavat at Triple O Finance, his proactive and genuine guidance has continuously impressed me. Without Nishant’s assistance, obtaining a home loan and taking a step closer to realizing our dreams would have been much more challenging. Thank you so much Nishant – Manoj & Tejaswini from N.T
I have had the pleasure of working with Triple O finance since a few years. Ash and Jill have always provided a top-notch service. I have recommended them to a few of my family and friends, and they have been very happy with the service as well.
Happy with the service although settlement short falls need to be better anticipated/managed and better awareness of Bank Holidays when requesting attendance to bank branches to make payments. This unplanned activity was quite disruptive to my day as I was with clients, fortunately my manager was able to cover for me to some extent.
