The Australian Capital Territory offers First Home Owner Grants and Subsidies, to help eligible first-home buyers achieve homeownership. Here’s a breakdown of the available options:
The ACT’s Home Buyer Concession Scheme (HBCS) offers full or partial stamp (conveyance) duty relief to eligible first home buyers (or land purchasers intending to build and occupy).
Eligibility Highlights:
Provides full or reduced stamp duty for eligible first-home buyers or buyers of vacant land.
You must live in the property as your principal place of residence.
You (and your partner) must not have owned residential property in Australia in the past five years.
Your household income must be under the ACT’s income threshold (varies by year and dependents).
Applies to new homes, established homes, and vacant land in the ACT.
The ACT no longer offers the First Home Owner Grant — stamp duty concessions are the main support.
The property value cap and concession amount change each year, so check ACT Revenue Office for the latest limits.
How to Apply: Applications are made through Access Canberra during the property purchase process
Home Guarantee Scheme (HGS) / First Home Guarantee
First Home Super Saver Scheme (FHSSS)
Help to Buy / Shared Equity (where applicable)
The ACT First Home Owner Grant has been discontinued, but eligible applicants can still benefit from the Home Buyer Concession Scheme.
Disclaimer:
The information provided on this page is for general informational purposes only and should not be considered as financial or legal advice. While Triple O Finance strives to ensure the accuracy of the information, government grants and incentives may change from time to time. It is essential to check with the relevant state or territory authority or consult with a qualified professional to confirm your eligibility and the latest requirements. Triple O Finance does not provide tax or legal advice. Please seek independent advice tailored to your specific circumstances.
At Triple O Finance, we make the grant and concession application process simple by:
Assessing your eligibility for ACT’s concessions.
Assisting with the preparation and submission of your applications.
Providing tailored home loan solutions to complement your benefits.
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.
