Buying your first home in Australia in 2026? Here’s every advantage available to you.
FHSS Scheme
Voluntary super contributions up to $50K can be withdrawn for a first home. Taxed at just 15% going in vs your marginal rate. Read the complete first home guide.
State Grants & Stamp Duty
NSW: $10K grant for new homes under $600K, stamp duty exempt under $800K. VIC: $10K grant, stamp duty concessions. QLD: $30K grant for new homes. Check the Stamp Duty Calculator for your state.
The Deposit Strategy
5% with LMI vs 20% with no LMI. The Home Guarantee Scheme allows 5% with no LMI for eligible buyers. Use the Home Deposit Race Calculator.
HECS Impact
HECS debt reduces your borrowing capacity by 3-5%. Check with the HECS Calculator.
Set your home deposit goal in Richify. App Store | Google Play
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