First Home Buyer Conveyancing NSW

Under the First Home Super Saver Scheme (FHSSS), you may be able to withdraw voluntary super contributions to put towards your deposit. This is managed through the Australian Tax Office, not through your conveyancer — but we can point you in the right direction.

Call us: (02) XXX XXX XX — Mon to Fri, or weekends for urgent matters
Contract reviews available 7 days — got a weekend auction? We've got you.

FIRST HOME BUYER BENEFITS

What you may be entitled to as a NSW first home buyer.

Stamp duty
First Home Buyers Assistance Scheme
$0
stamp duty on homes under $800,000
Full exemption on homes up to $800,000
Sliding-scale concession between $800k–$1m
Full exemption on vacant land up to $350,000
Must be your principal place of residence
We advise on eligibility as part of your conveyancing
FHOG Grant
First Home Owner Grant
$10,000
cash grant for eligible new home purchases
Applies to new homes up to $600,000
Or house & land packages up to $750,000
Cannot have owned property in Australia before
Can be combined with stamp duty exemption
We lodge the application on your behalf

2025–26 THRESHOLDS

NSW stamp duty thresholds for first home buyers.

Property price Property type Stamp duty Status
Up to $800,000 Existing or new home $0 Full exemption
$800,001 – $999,999 Existing or new home Sliding scale Partial concession
$1,000,000+ Existing or new home Full duty No concession
Up to $350,000 Vacant land $0 Full exemption
$350,001 – $449,999 Vacant land Sliding scale Partial concession

Thresholds are current for the 2025–26 financial year. You must intend to occupy the property as your principal place of residence. If your spouse or de facto partner has previously owned residential property in Australia, you may not be eligible. Always confirm eligibility with your conveyancer before exchanging contracts.

COMMON QUESTIONS

First home buyer FAQs

  • The FHOG is a $10,000 cash grant from the NSW Government for eligible first home buyers purchasing or building a new home. It applies to new homes valued up to $600,000, or house and land packages up to $750,000. It can be combined with the stamp duty exemption. We lodge the application on your behalf.

  • If your spouse or de facto partner has previously owned residential property anywhere in Australia, you may not be eligible for the First Home Buyers Assistance Scheme — even if they are not on the title of the property you're buying. This is one of the most common traps for first home buyers. Talk to us before you sign anything.

  • You may be eligible if you're purchasing a home for the first time, the property is valued at $800,000 or less, and you intend to live in it as your principal place of residence. If your spouse or de facto partner has previously owned property in Australia, you may not be eligible. We advise on eligibility as part of your conveyancing.

  • Under the First Home Super Saver Scheme (FHSSS), you may be able to withdraw voluntary super contributions to put towards your deposit. This is managed through the Australian Tax Office, not through your conveyancer — but we can point you in the right direction.

Buying your first home? We'll guide you through it.

From contract review to settlement — and making sure you get every benefit you're entitled to. Talk to a licensed NSW conveyancer today.

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