The First Home Guarantee Scheme, also known as Formerly the First Home Loan Deposit Scheme - Fact Sheet 2023-24.
What is The Family Home Guarantee (FHG)?
The Family Home Guarantee (FHG) is a vital component of the Home Guarantee Scheme (HGS), an initiative by the Australian Government designed to expedite the homeownership process for eligible single parents or single legal guardians with at least one dependent. The administration of this program is entrusted to the National Housing Finance and Investment Corporation on behalf of the Australian Government. The FHG’s primary objective is to offer support to eligible single parents or single legal guardians, regardless of whether they are first-time homebuyers or have owned a home before. For the period from July 1st, 2023, to June 30th, 2024, 5,000 FHG opportunities are made available.
Under the FHG, a portion of the home loan obtained from a Participating Lender is guaranteed by the NHFIC. This guarantee empowers eligible homebuyers to purchase a home with as little as a 2% deposit, eliminating the need to pay for Lenders’ Mortgage Insurance.
Eligibility criteria
To be eligible to apply for the Family Home Guarantee (FHG), prospective home buyers must meet the following criteria:
- Apply as an individual.
- Be a single parent or a single legal guardian with at least one dependent (refer to the "Eligible Single Parent and Eligible Single Legal Guardian" note below).
- Hold Australian citizenship or permanent residency* at the time of loan application.
- Be at least 18 years of age.
- Earn an annual income of no more than $125,000.
- Intend to occupy the purchased property as the owner-occupier.
- Not currently own any other property or, in the case of purchasing a guaranteed property, have no intention to own a separate property upon settlement.
*Note: The Department of Home Affairs considers New Zealand Citizens as Permanent Residents only for citizenship application purposes. This classification does not extend beyond this context. To confirm eligibility for the Home Guarantee Scheme, it is recommended to conduct a VEVO (Visa Entitlement Verification Online) check through a participating lender.
Eligible Single Parent and Eligible Single Legal Guardian
To be eligible to apply for the Family Home Guarantee (FHG), home buyers must meet the following criteria:
Marital Status:
Applicants must be single, meaning they do not have a spouse or a de facto partner. It's important to note that individuals who are separated but not legally divorced are not considered single for the purposes of this scheme.
Dependents:
Applicants must have at least one dependent. To qualify as a dependent, the individual must be the natural parent, adoptive parent, or legal guardian of:
- A "dependent child," as outlined in the subsections 2 to 6, and 7 of section 5 within the Social Security Act of 1991, or
- A person receiving a disability support pension as defined in the Social Security Act 1991 who resides with the applicant.
Legal Responsibility:
Applicants must demonstrate that they have legal responsibility, either solely or jointly with another person, for the day to day care, welfare, and development of the dependent and that the dependent is under their care.
These criteria are essential to determine eligibility for the FHG program, ensuring that it is accessible to single individuals who are responsible for the care of dependent family members.
Previous Home Ownership
FHG applicants can include both first-time home buyers and individuals who have previously owned a home but do not intend to acquire an additional property upon finalizing the purchase of the guaranteed property they are buying.
For a more precise assessment of your eligibility for the Family Home Guarantee (FHG) or other Guarantees, you can utilize the Eligibility Tool. This short questionnaire can help you determine which Guarantee(s) you may qualify for.
To obtain comprehensive information about the FHG program, including the complete list of eligibility criteria, it is advisable to get in touch with a Participating Lender. They will provide you with detailed guidance and assistance in navigating the application process.
Deposit required
Homebuyers who are applying for the Family Home Guarantee (FHG) are required to have a deposit ranging from 2% to 20% of the value of an eligible property saved. The minimum deposit mandated for the FHG is 2%. However, it's important to note that Participating Lenders may stipulate a higher percentage deposit based on an individual's specific financial situation.
To ascertain whether their deposit qualifies as "genuine savings" in accordance with the lender's criteria and FHG requirements, prospective homebuyers should engage in a conversation with a Participating Lender.
Additionally, it is advisable for homebuyers to confirm with their Participating Lender whether any cash grants they have received from other Australian Government, State, or Territory schemes or programs can be considered as part of their genuine savings.
For more comprehensive information and to discuss their individual circumstances, homebuyers are encouraged to reach out to a Participating Lender. These lenders can provide specific guidance and details tailored to each applicant's situation.
Property types and price caps
Under the Home Guarantee Scheme (HGS), home buyers have the flexibility to purchase various types of residential properties, which include:
- Existing houses, townhouses, or apartments.
- House and land packages.
- Land with a separate contract for building a home.
- Off-the-plan apartments or townhouses.
To determine the property price caps applicable to different locations, you can utilize the Property Price Cap Tool. It provides information about the maximum property prices allowed in specific areas.
It's important to note that different property types may have specific timeframes and criteria that need to be met. Additionally, the contract of sale and, if applicable, the eligible building contract may have to be executed by designated dates. Therefore, it is advisable to stay informed about these requirements when considering your home purchase under the HGS.
First Home Guarantee and Family Home Guarantee Property Price Cap Table
The table below displays the price caps for both the First Home Buyer Guarantee (FHBG) and the Family Home Guarantee (FHG):
For more detailed information, including the comprehensive list of property criteria, we recommend reaching out to a Participating Lender. They can provide you with specific details about property requirements and help you navigate the application process effectively.
How to apply
Applications for the Home Guarantee Scheme (HGS) must exclusively be submitted through a Participating Lender or their authorized representative, such as a mortgage broker. NHFIC does not process HGS applications or provide personalized financial advice.
It is highly advisable for home buyers, as well as those offering guidance to them, to contemplate engaging with a Participating Lender and seeking independent financial and legal advice. This consultation can help assess whether a specific home loan or property, along with the terms of the HGS, aligns with individual circumstances and objectives.
Furthermore, before committing to a home loan agreement, it is prudent for home buyers to discuss with their lender (or broker) the potential ramifications of fluctuating interest rates or changes in house prices on their unique financial situation. This proactive approach can aid in making informed decisions about homeownership.
Participating Lenders
NHFIC has granted authorization to a panel of 33 Participating Lenders to extend the offerings of the Home Guarantee Scheme (HGS) to potential home buyers. These lenders are officially sanctioned to provide access to the HGS program to eligible applicants.
Notice of Assessment (NOA)
The Home Guarantee Scheme (HGS) incorporates an income assessment, which lenders conduct using a document known as the Notice of Assessment (NOA). After the processing of a tax return, the Australian Taxation Office (ATO) dispatches a statement called the Notice of Assessment to the taxpayer's myGov Inbox.
For HGS reservations made between July 1, 2023, and June 30, 2024, the applicable Notice of Assessment pertains to the 2022-2023 financial year. NHFIC advises applicants to consult with their Participating Lender to understand the potential risks associated with signing a Contract of Sale before obtaining the most recent Notice of Assessment. This precautionary step ensures that the income assessment accurately reflects their current financial situation.
What is the First Home Guarantee (FHBG)?
The First Home Guarantee (FHBG) is an integral part of the Home Guarantee Scheme (HGS), which is an initiative by the Australian Government designed to assist eligible homebuyers in acquiring a home at an earlier stage. The administration of this program is overseenThe National Housing Finance and Investment Corporation (NHFIC) will be responsible for executing the instructions.on behalf of the Australian Government.
Under the FHBG, a portion of the home loan obtained from a Participating Lender is guaranteed by NHFIC. This arrangement empowers eligible home buyers to purchase a home with as little as a 5% deposit, thereby eliminating the need to pay for Lender's Mortgage Insurance.
It's important to note that the FHBG guarantee does not constitute a cash payment or serve as a deposit for a home loan. Instead, it guarantees a portion of the home loan, up to a maximum of 15% of the property's assessed value, as determined by the Participating Lender. Eligibility criteria do apply.
Between July 1, 2023, and June 30, 2024, there are a total of 35,000 opportunities under the First Home Buyer Guarantee (FHBG) program that are open to eligible applicants.
Eligibility criteria
To qualify for the First Home Buyer Guarantee (FHBG), home buyers must meet the following criteria:
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Number of Applicants
You can apply as an individual or as two joint applicants.
-
Residency Status:
You must be a citizen of Australia or a permanent resident at the time you apply for the loan.
-
Age Requirement:
Applicants should be at least 18 years old.
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Income Limits:
For individuals, your annual income should not exceed $125,000, as indicated on the Notice of Assessment issued by the Australian Taxation Office.
For joint applicants, the combined annual income should not exceed $200,000, as per the Notice of Assessment.
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Owner-Occupier Intent:
You must intend to use the purchased property as your primary residence.
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Homebuyer Status:
You should be either a first-time homebuyer or a previous homeowner who has not owned a property in Australia in the past ten years.
*Note: The Department of Home Affairs classifies New Zealand Citizens as Permanent Residents solely for citizenship application purposes, and this classification does not extend beyond that context. To confirm your eligibility for the Home Guarantee Scheme, it is recommended to conduct a VEVO (Visa Entitlement Verification Online) check through a participating lender.
To determine which Guarantees you might be eligible for, you can use the Eligibility Tool, which is a brief questionnaire designed to assist home buyers. For more comprehensive information, including the full list of eligibility criteria, it is advisable to contact a Participating Lender. They have the ability to offer personalized advice that matches your individual circumstances. They are capable of offering personalized guidance based on your individual circumstances.
Deposit required
Home buyers applying for the First Home Buyer Guarantee (FHBG) are required to have a deposit ranging from 5% to 20% of the value of an eligible property. The minimum deposit mandated for the FHBG is 5%. However, it's essential to be aware that Participating Lenders may stipulate a higher percentage deposit based on individual financial circumstances.
To ascertain whether their deposit qualifies as "genuine savings" according to the lender's criteria and FHBG requirements, prospective home buyers should engage in a conversation with a Participating Lender.
Furthermore, it is advisable for home buyers to confirm with their Participating Lender whether any cash grants they have received from other Australian Government, State, or Territory schemes or programs can be considered as part of their genuine savings.
For more comprehensive information and to discuss their individual circumstances, home buyers are encouraged to reach out to a Participating Lender. These lenders can provide specific guidance and details tailored to each applicant's situation.
What type of property can be bought?
To be eligible, a property must meet the definition of a 'residential property' as outlined in the First Home Guarantee, and Participating Lenders can provide clarification if there are any uncertainties. Eligible residential properties encompass:
- Existing houses, townhouses, or apartments.
- House and land packages.
- Land with a separate contract for building a home.
- Off-the-plan apartments or townhouses.
To find the property price caps for different locations, you can utilize the Property Price Cap Tool. It provides information about the maximum property prices allowed in specific areas.
It's important to note that distinct timeframes and criteria apply to different property types. Additionally, the contract of sale and, if applicable, the eligible building contract may need to be executed by specific dates. For comprehensive information and details regarding property criteria, it is recommended to contact a Participating Lender. Experts can offer personalized advice to suit your individual requirements and situation.
What property price thresholds apply?
Below is a table that lists the price caps for FHBG and FHG:
How to apply
Applications for the Home Guarantee Scheme (HGS) can exclusively be submitted through a Participating Lender or their authorized representative, such as a mortgage broker. NHFIC does not handle HGS applications or offer personalized financial advice.
Home buyers, as well as those providing guidance to them, are strongly encouraged to contemplate consulting a Participating Lender and seeking independent financial and legal advice to assess whether a particular home loan or property, along with the terms of the HGS, aligns with their personal circumstances and objectives.
Before committing to a home loan agreement, prospective home buyers should also consider discussing with their lender or broker the potential consequences of fluctuations in interest rates or changes in house prices on their individual situation.
Participating Lenders
NHFIC has authorised a panel of 33 Participating Lenders to offer the HGS to home buyers.
Notice of Assessment (NOA)
The Home Guarantee Scheme (HGS) involves an income assessment, which lenders carry out by reviewing a Notice of Assessment (NOA). Once the Australian Taxation Office (ATO) processes a tax return, they send a statement called the Notice of Assessment to the taxpayer's myGov Inbox.
For HGS reservations made between July 1, 2023, and June 30, 2024, the relevant Notice of Assessment pertains to the 2022-2023 financial year. NHFIC recommends that applicants discuss with their Participating Lender to understand the potential risks associated with signing a Contract of Sale before obtaining the most recent Notice of Assessment.
What is the Regional First Home Buyer Guarantee (RFHBG)?
The guarantee for first-time home buyers in the regional areas is a part of the Home Guarantee Scheme (HGS), which is an initiative by the Australian Government. Its goal is to help eligible home buyers purchase a home sooner. The organization responsible for National Housing Finance and Investment NHFIC is responsible for managing the administration of this program on behalf of the Australian Government.
The RFHBG is specifically designed to assist eligible home buyers in regional areas in acquiring a home sooner. Between July 1, 2023, and June 30, 2024, a total of 10,000 RFHBG opportunities will be available.
Under the RFHBG, NHFIC guarantees a portion of the home loan for eligible regional home buyers through a Participating Lender. This enables qualified home buyers to purchase a home with as little as a 5% deposit without the need to pay for Lender's Mortgage Insurance. It should be noted that the maximum guarantee the RFHBG offers for a home loan is only 15% of the property's assessed value, which is determined by the Participating Lender. It's important to understand that this guarantee doesn't constitute a cash payment or deposit for a home loan, and there are specific eligibility criteria that must be met.
Eligibility criteria
Prospective home buyers must meet the following criteria In order to qualify for the Regional First Home Buyer Guarantee (RFHBG):
- Apply as an individual or joint applicant.
- To secure the loan, individuals must be either Australian citizens or permanent residents.
- Be at least 18 years of age.
- Have an annual income of up to $125,000 for individuals or up to $200,000 for joint applicants, as indicated on the Notice of Assessment issued by the Australian Taxation Office.
- They plan to use the property they have bought as their main dwelling place.
- Have not previously owned or held an interest in a property in Australia in the ten years leading up to the date of executing their home loan.
- Be first-home buyers or previous homeowners who have not owned a property in Australia in the past ten years.
Please note that the Department of Home Affairs considers New Zealand Citizens as Permanent Residents solely for citizenship application purposes. This classification does not extend beyond that process. To confirm eligibility for the Home Guarantee Scheme, individuals are advised to conduct a VEVO (Visa Entitlement Verification Online) check through a participating lender.
Home buyers can use the Eligibility Tool, a brief questionnaire designed to help them determine which Guarantees they may be eligible for. For comprehensive information, including a full list of eligibility criteria, please contact a Participating Lender.
What is a regional area?
A regional area is defined as follows:
- Areas within a State or the Northern Territory that are not identified as the capital city of that State or Territory, as classified by the Statistical Area Level 4 (ASGS SA4 2016).
- According to the July 2016 version published by The Australian Bureau of Statistics (ABS), the areas referred to are Norfolk Island, Christmas Island, Cocos (Keeling) Islands, or the Territories of Jervis Bay.
- The RFHBG does not apply to the greater capital city areas of each state, the entire Australian Capital Territory, or the Northern Territory's capital city. Home buyers in these areas may qualify for the First Home Guarantee or Family Home Guarantee instead.
To confirm eligibility for the RFHBG, home buyers can use the Regional Checker tool. This tool allows them to enter the suburb (or postcode) of their current residence and the suburb (or postcode) they intend to purchase in, enabling them to verify whether they meet the criteria for the RFHBG.
Deposit required
Home buyers who are applying for the Regional First Home Buyer Guarantee (RFHBG) are required to have saved between 5% and 20% of the value of an eligible property as a deposit. The minimum deposit mandated for the RFHBG is 5%. However, it's important to note that Participating Lenders may stipulate a higher deposit percentage based on individual financial situations.
Home buyers are encouraged to engage with a Participating Lender to determine whether their deposit qualifies as genuine savings according to the lender's criteria and the First Home Guarantee (FHG) requirements.
Home buyers should confirm with their Participating Lender if cash grants from other Australian Government, State, or Territory schemes can be used as genuine savings.
For more comprehensive information and to discuss their unique circumstances, individuals are advised to get in touch with a Participating Lender.
To get more information and discuss your unique circumstances, we recommend reaching out to a Participating Lender. They will be able to provide you with the guidance and support you need.
Property types and price caps
Under the HGS, home buyers can buy a residential property, including:
- A house, townhouse, or apartment that already exists.
- A package that includes both a house and land.
- I have purchased land and signed a separate contract to construct a house on it.
- Consider purchasing an apartment or townhouse that is not yet built, also known as an off-the-plan property.
Use the Property Price Cap Tool to look up the property price.
Regional First Home Buyer Guarantee Property Price Cap Table
The price caps for the RFHBG are listed in the table below.
Various property types have specific timeframes and criteria that must be adhered to. The contract of sale and, if applicable, the eligible building contract may necessitate execution by specific dates.
It's important to note that the RFHBG excludes the greater capital city areas of the States and the Northern Territory, as well as the entire Australian Capital Territory.
Home buyers can make use of the property price cap tool to determine the relevant property price caps. However, it's essential to understand that the guidance provided is of a general nature and does not constitute an official eligibility determination.
Home buyers, along with their advisors, are strongly encouraged to consider consulting with a Participating Lender and obtaining independent financial and legal advice to evaluate whether a specific home loan or property, as well as the terms of the Home Guarantee Scheme (HGS), align with their personal circumstances and objectives.
Before committing to a home loan agreement, home buyers should also engage in discussions with their lender or broker to assess the potential implications of fluctuations in interest rates or house prices on their individual situation.
It's vital to underscore that NHFIC, along with its employees and the agents, will not assume responsibility for any claims arising from potential direct or indirect losses that could be linked to the utilization of the tool. All monetary values are denominated in Australian dollars.
For additional information, including specifics regarding the regional areas where you may meet the criteria to buy property, we encourage you to reach out to a Participating Lender.
How to apply
Applications for the Home Guarantee Scheme (HGS) can solely be submitted through a Participating Lender or their authorized representative, such as a mortgage broker. NHFIC does not process HGS applications or offer personal financial advice.
We strongly advise home buyers, as well as those providing guidance to them, to contemplate consulting a Participating Lender and obtaining independent financial and legal advice to evaluate whether a specific home loan or property, as well as the terms of the HGS, align with their personal circumstances and objectives.
Before committing to a home loan agreement, it's advisable for home buyers to discuss with their lender or broker the potential consequences of fluctuations in interest rates or changes in house prices on their individual situation.
Participating Lenders
NHFIC has authorised a panel of 33 Participating Lenders to offer the HGS to home buyers.
Notice of Assessment (NOA)
The Home Guarantee Scheme (HGS) incorporates an income assessment, which lenders conduct by reviewing a Notice of Assessment (NOA).
After the Australian Taxation Office (ATO) has processed a tax return, they dispatch a statement known as the Notice of Assessment to the taxpayer's myGov Inbox.
For HGS reservations made between July 1, 2023, and June 30, 2024, the applicable Notice of Assessment pertains to the 2022-2023 financial year. NHFIC recommends that applicants consult their Participating Lender to grasp the potential risks associated with signing a Contract of Sale before obtaining the most recent Notice of Assessment.
First Home Owner (New Homes) Grant
NSW
What is the First Home Owner Grant?
You can receive a $10,000 First Home Owner Grant (FHOG) when you purchase or construct your initial brand-new residence. Your first new home can take the form of a house, townhouse, apartment, unit, or similar property that is either newly built, bought off the plan, or has undergone significant renovation.
How much can I spend?
If you buy a newly built dwelling, such as a house, townhouse, apartment, or unit, the purchase price cannot exceed $600,000.
If you buy undeveloped land and enter into a building contract with a builder, you should combine the cost of the vacant land, the comprehensive home building contract, and any associated building modifications. The total sum of these expenses should not exceed $750,000.
If you opt to purchase a home that has undergone significant renovation by the seller, the purchase price should not exceed $600,000.
You may be eligible for the grant if:
- most of the home was removed or replaced
- the seller, builder, or tenant has not lived in the home prior to, during, or after renovations
- it is the first time the home has been sold since the completion of renovations.
If the individual who constructed a property resided in it, rented it out, or utilized it for brief stays, it will not be considered as the initial sale of a brand-new residence.
The First Home Owner Grant may be paid in addition to other exemptions or concessions for eligible homebuyers.
Who’s eligible?
- Every applicant must be at least 18 years of age.
- Eligibility for the First Home Owner Grant is for individuals, not for companies or trusts.
- To qualify, at least one of the applicants must hold permanent residency or Australian citizenship.
- It's important that neither you nor your spouse, partner, or co-purchaser has previously owned a home prior to 1 July 2000
For contracts signed before July 1, 2023:
Within a year of purchasing or constructing your first home, you must establish it as your primary residence, with a minimum continuous occupancy of 6 months.
For contracts signed on or after July 1st, 2023:
Following the purchase or construction of your first home, you must reside there as your primary residence within 12 months, with a minimum continuous stay of 12 months.
You won't be eligible for the First Home Owner Grant if either you or your spouse has:
Previously got a First Home Owner Grant in Australia:
- Owned a home or another residential property in Australia, whether jointly or individually, prior to 1 July 2000.
- Lived for six continuous months or more in a property located in Australia that you owned, either wholly or partially, on or after 1 July 2000.
However, there is still a chance for you or your spouse to qualify for the First Home Owner Grant if:
- You bought a residential property after 1 July 2000 and didn't reside in it for more than six continuous months.
If you are a member of the Australian Defence Force, there may be exemptions from the six or twelve-month residence requirement, provided that all buyers are registered on the New South Wales electoral roll.
How to apply
If you require the grant for settlement or the first drawn down/progress payment, submit your application to the authorized agent who is giving you finance.
If you’ve already completed the purchase or construction process, you can lodge your application via the FHOG customer portal.
Please note you need to lodge your application forms and proof of identity documents.
Applying through an Agent
If you’re applying through an approved agent, you’ll need to complete the First Home Owner Grant (New Homes) Application form below:
For contracts exchanged before 1 July 2023, use:
First Home Owner Grant (New Homes) Application form OFH 001 (PDF, 1131.29 KB)
For contracts exchanged on or after 1 July 2023, use:
First Home Owner Grant (New Homes) Application form OFH 002 (PDF, 1056.52 KB)
Your agent will lodge your application form on your behalf after you have ticked the declaration box, printed your name clearly, and dated the form.
Applying for the First Home Owner Grant is possible. (New Homes) scheme through your bank or financial institution when you’re arranging finance.
View our list of approved agents.
QLD
Eligibility:
Age
You (and any co-applicants for the grant) are a natural person (an individual) aged 18 years or older.
In some exceptional circumstances, the Commissioner of State Revenue may use discretion in relation to some eligibility criteria, such as:
- You are under 18 years of age
- An application is made on behalf of a legal disability trust by a guardian.
Citizenship
You must be either a citizen in Australia or a permanent resident to apply, or you must be applying with someone who meets these requirements.
If you are applying for the grant as a joint applicant—for example, you are not a permanent resident, but your spouse is an Australian citizen—you may be eligible for the grant if you meet the other eligibility requirements.
A permanent resident holds a permanent visa or is a New Zealand citizen with a special category visa, as defined by the Migration Act 1958 (Cwlth).
A New Zealand citizen with a special category visa must have a current New Zealand passport to be a permanent resident.
Previous grant recipient
To be eligible for the first homeowner grant, neither you nor your spouse must have previously received it in any Australian state or territory. However, if you did receive the grant in the past but paid it back, along with any associated penalties, you may still be able to apply for it again.
Previous home ownership
You or your spouse must not have owned residential property in Australia:
- On or after 1 July 2000 that you lived in.
- Before 1 July 2000, whether you lived in it or not.
Investment Properties
The grant is not available to purchase investment properties.
If you have owned an interest in residential property since 1 July 2000 that has been solely used for investment purposes, you may be eligible for the grant on a subsequent new property that will be your first home to live in.
You will need to show that you have not lived in the investment property by providing evidence that covers the entire period of ownership:
- Tenancy or lease agreements.
- Electricity or phone accounts.
- Tax return details declaring the rental property.
Residence requirements
In order to qualify for either the first home concession or the first home vacant land concession, it is required that you take up residence in your new home within a year of the completion of the transaction and remain there for at least 6 months as your primary place of residence. During this 6-month period, you are allowed to rent out one or more rooms within your home as long as it does not interfere with your own use of the property. However, if you decide to rent out any rooms during the first year of your residency, it could potentially affect your eligibility for the concessions mentioned above.
Even though the residence requirements for the grant are similar to those for the first home concession, the grant and concession are separate benefits—you need to meet the requirements in each case. For example, you can rent the home out before moving in and keep the grant, but you may lose the first home concession.
You may be required to verify that you have met these requirements later by providing documentation supporting the period of occupancy for all applicants.
In some exceptional circumstances, the Commissioner may use discretion in relation to some eligibility criteria if you:
- Move into the home after 1 year
- Live in the home for less than 6 months.
Disqualifying arrangements
Even if you meet the eligibility criteria, there are some circumstances that may stop you from getting the grant. For example:
- You enter into an arrangement to circumvent limitations on, or requirements affecting, eligibility or entitlement to the grant
- You enter into an arrangement with the sole purpose of obtaining the grant, rather than acquiring a home.
- You buy or build your new home with financial help from a related person (who is not eligible for the grant) who will also stay in the home often or for long periods of time, and the Commissioner is not satisfied there are genuine family reasons for the related person to occupy the home. Money borrowed from banks or lending institutions is not considered financial assistance.
If there is a disqualifying arrangement, we will not pay the grant. If the grant has already been paid, you will have to repay it.
Eligible transactions
You must be buying or building a new home valued at less than $750,000 (including land and any contract variations).
The home:
- Must not have been lived in or sold as a place of residence at the time of completion
- It could be a:
- House, unit, duplex, or townhouse; or a granny flat built on a relative’s land
- A home that has been moved from one site to another (including kit homes or modular homes)
- Home in a manufactured home park
- Substantially renovated home
- Must be one of the following eligible transactions
New home
A new home is a brand-new dwelling that has not been previously occupied as a place of residence or sold as a place of residence.
You do not have a contract to purchase a new home (including off-the-plan purchases or substantial renovations) if you have both a land purchase contract and a building contract.
The grant may be available for homes that have been moved from one site to another, as long as the home has not been occupied since being fixed to the new site (including kit homes and manufactured homes).
Off-the-plan purchase
An off-the-plan purchase is a single contract to buy a new home and the relevant interest in the land, which is a proposed lot on an unregistered plan resulting from a subdivision. In some cases, the property may not have been built yet.
For example, the purchase of a unit in a unit block, where the unit’s individual lot and plan description will not be available until the strata title has been registered.
Substantial renovation
The home:
- It must be substantially renovated before you buy it
- It must not have been lived in since the renovation.
The seller:
- Must be registered for GST and be selling the home as a taxable supply in the course of their business
- Must give you a tax invoice that shows the GST component of the home purchase price (as evidence that the sale is a taxable supply)
- Must give you a statement that confirms the house has never been sold or occupied since the renovation, the sale of the home is a taxable supply, and a description of the type and extent of the renovations.
A substantial renovation is when all or most of the structural or non-structural components of a building are removed or replaced.
Most of the rooms in the building must have been affected, and the renovations must have affected the building as a whole for it to be considered a substantial renovation. Renovations can be done without replacing foundations, walls, floors, roof, or stairs.
A home has not been substantially renovated if:
- only cosmetic work has been done to the home (e.g. painting)
- only 1 part of the building has been renovated (e.g. renovation of 1 bedroom in a 4-bedroom house; removal and replacement of a kitchen and bathroom with little else being done to the building, apart from minor repair work).
Contract to build
For a contract to build a new home to be eligible, it must be a comprehensive home-building contract. That is, a builder undertakes to build a home from the start of the building work (laying of foundations) to the point where the home is ready for occupation (final inspection certificate issued).
Owner–builder
You are considered an owner-builder if you construct a home or have one constructed on land that you own without entering into a comprehensive home-building contract.
You may do one of the following:
undertake the responsibility of building your own home from start to finish as an owner–builder
have a building contract with one or more builders where one builder is not solely responsible for the home from start to finish.
The home must be a qualifying residence (i.e. a class 1a dwelling as defined by the Australian Building Codes Board) and have a final inspection certificate. Depending on the commencement date of the build, you may be eligible for a previous grant amount.
VIC
You can receive a $10,000 First Home Owner Grant (FHOG) when you purchase or build your very first new home. This can include various types of dwellings such as houses, townhouses, apartments, units, and similar properties. The definition of a "new home" also extends to homes that have undergone significant renovations or were constructed to replace demolished properties. Importantly, the FHOG does not apply to investment properties or vacation homes.
To qualify, the total contract price for the home must not exceed $750,000. This rule applies whether you're buying an existing property or entering into a contract to have a new home built.
A "new home" must not have been previously sold as a residence or used as a home, including short-term accommodations like Airbnb. In simpler terms, the FHOG won't be granted if the person who built the property lived in it, rented it out, or used it for short-term rentals.
You may still be eligible to receive the FHOG in addition to other exemptions or benefits if you meet the specific criteria, including being a pensioner.
The timing of when you receive the FHOG payment depends on the type of contract you sign for the purchase or construction of your new home and whether you submit your application through an approved agent or directly to the relevant authority.
You will not qualify for the FHOG if either you or your spouse/partner has previously:
- You won't qualify for the First Home Owner Grant (FHOG) in Australia if either you or your spouse/partner has previously received it.
- If you owned a residential property in Australia, either jointly or separately, prior to July 1, 2000.
- Resided in a home, which either of you owned or partially owned in Australia, for a continuous period of at least six months on or after 1 July 2000.
You must live in the home as your main residence for at least 12 months, starting within 12 months of settlement or construction completion.
Additionally, to qualify for the FHOG, at least one applicant must:
- You need to live in the home as your main residence for at least 12 months, starting within 12 months of when the settlement or construction is completed.
- Be 18 years of age or older (this requirement is discretionary).
- Be either an Australian citizen or a permanent resident:
In the case of purchasing a new home, as of the date when the applicant(s) gain possession of the home under the contract (typically the settlement date).
In the case of entering into a comprehensive building contract, as of the date when the home is ready for occupation as a residence (usually when construction is completed).
Special consideration is extended to individuals from New Zealand who possess a special category visa under s32 of the Migration Act 1958, as well as those with a permanent visa under s30(1). This special consideration is granted because they are recognized as permanent residents for these specific purposes.
However, New Zealand citizens must be living in Australia at the time the eligible transaction is finalized to be eligible.
WA
First Home Owner Grant (FHOG) is a one-time payment aimed at encouraging and supporting first-time homebuyers in acquiring or constructing a new residential property to serve as their primary residence. The grant amount is either $10,000 or the actual cost of buying or building the house if it's less than $10,000. It's important to note that only one grant is provided per eligible transaction, so if two individuals are buying a house together, they can only receive one grant.
As a first-time homebuyer, you may be eligible for the grant if you are in the process of purchasing or constructing a new home. In some cases, a home that has undergone significant renovations may also be considered as a new home. However, it's crucial to understand that the grant is not available for the purchase of an existing, established home or for making renovations to an already existing home.
If you qualify for the grant or would qualify if you were not purchasing an established home, you might also be eligible for a reduced first homeowner rate of duty.
You may be eligible for the grant if:
The First Home Owner Grant (FHOG) is available to assist first-time homebuyers in buying or building a new home to be their primary residence. It's a one-time payment and isn't based on your income.
To be eligible for FHOG:
- You must be at least 18 years old, but exemptions may be possible for those under 18.
- To be eligible, at least one of the applicants must be an Australian citizen or a permanent resident when applying.
Applicants and their partners cannot have received this grant before in any part of Australia or owned residential property in Australia before July 1, 2000. Additionally, if they've owned residential property in Australia on or after July 1, 2000, and lived in it before July 1, 2004, they are also not eligible.
To remain eligible, you must live in the home as your primary residence for at least six months within 12 months of either settlement (if you're buying) or completion (if you're building).
You must have a valid ownership interest in the land where the home is located and must own the home in your own name. If you own it as a trustee, it must be for a person with a legal disability.
This grant is not available for established homes or home renovations. If you meet these criteria, you may be eligible for FHOG, which is designed to support first-time homeowners in Australia.
Purchase of a new home
This qualifies as an eligible transaction if the contract was made on or after 1 July 2000. The commencement date is the date when the contract is created, and the completion date is the date when the buyer becomes entitled to take possession of the home, typically the settlement date.
Comprehensive home building contract
This transaction meets the eligibility criteria if the contract was established on or after 1 July 2000. The commencement date refers to the contract's creation date, while the completion date is the point when the building is prepared for residential use, often marked by the builder handing over the keys to the owner.
Owner-builder
This transaction qualifies if construction on the home started on or after 1 July 2000. The commencement date refers to the day construction begins, typically marked by the laying of the foundation. The completion date is when the building is prepared for residential use.
SA
If you're a first-time homebuyer in South Australia, you could be eligible for the First Home Owner Grant, which can be up to $15,000. To qualify, you need to meet the following criteria:
- You are buying or building a new home, which can include various types of residences such as houses, flats, units, townhouses, or apartments in South Australia.
- The new home must become your primary place of residence.
*A new home is defined as a property that has not been previously lived in or sold as a place of residence. This category also includes substantially renovated homes.
In addition to the grant, eligible first-home buyers might also benefit from stamp duty relief.
Important points to note:
The availability of the First Home Owner Grant for existing homes ended on July 1, 2014.
To be eligible for the grant:
- You must be purchasing a new home that has not been previously lived in or sold as a residence. This includes substantially renovated homes.
- The property's market value must meet certain criteria:
$650,000 or less if the contract was signed on or after 15 June 2023.
If the contract was signed between September 17, 2010, and June 14, 2023, the property's market value must be $575,000 or less to be eligible.
- To qualify, first must be an Australian citizen or permanent resident.
- Additionally, New Zealand citizens who hold Special Category Visas and have permanent residency in Australia are also eligible to apply. New Zealand citizens who have Special Category Visas and live permanently in Australia can also apply.
- All applicants must be 18 years of age or older.
- You and your spouse/domestic partner must not have had a relevant interest in an Australian residential property before 1 July 2000.
- You and your spouse or domestic partner must not have resided in an Australian residential property in which you had a vested interest for a continuous period of 6 months or more starting from July 1, 2000, or later.
- You and your spouse or domestic partner should not have previously obtained a first homeowner grant in any of the states or territories of Australia. However, if you did receive a grant but subsequently returned it, including any associated penalty, you might be eligible to reapply for the grant.
- All applicants must live in the home as their primary residence for a continuous period of at least 6 months, starting within 12 months of the settlement date for purchase contracts or the date of construction completion for owner builders or building contracts.
Companies and trusts are not qualified to receive the first homeowner grant.
There are no specific requirements regarding how you use the grant once you receive it.
TAS
Eligibility
The applicant(s) must:
- Be a natural person (not a company);
- Be 18 years old or over;
- Must Australian citizen or permanent resident (if more than one applicant, only one applicant is required to be an Australian citizen or permanent residence); and
- Reside in the dwelling as your primary residence continuously for a minimum of six months, starting within a year after the eligible transaction has been finalized.
Applicant(s) are not eligible as first homeowners if they (or their spouse*) have the following:
- Prior to July 1, 2000, possessed a residential property in Australia.
- Have owned and occupied a residential property for more than six months in Australia after 1 July 2000 or
- Have received the first homeowner grant before.
*A spouse includes someone with whom you are legally married or are in a significant relationship. For the definition of a significant relationship, refer to the Relationships Act 2003 legislation.
Building requirements:
Between 1 July 2016 and 30 June 2024 (inclusive) you must have:
- Entered into a contract to build your new home (comprehensive building contract)or
- Commenced laying the foundations for your home as an owner-builder or
- When you sign a contract to purchase a new dwelling that has not been previously occupied or sold as a place of residence, it is called an "off-the-plan" purchase.
The building must be completed within 24 months of:
- Entering into the contract to build (comprehensive building contract), or
- Laying the foundations for an owner-builder.
The building is classified as complete at the issue date of the occupancy certificate.
Movable buildings
If a moveable building (a building that is fixed to land, not a caravan or mobile home) is being purchased, the
Applicant is classified as an owner-builder
- The commencement date is the date of the contract to purchase the new movable building.
- The building must be new, meaning it has not been used as a residence before.
How to lodge using the First Home Owner Grant portal
Lodge your application as follows:
-
Purchase of a new home
You can lodge your application after settlement for the purchase of a new home and no later than 12 months after settlement or
-
Owner builder
Owner builder - If you are a homeowner acting as your own builder, you must submit the application within 12 months of receiving a certificate of occupancy or completion.
How to complete your application:
- Gather your supporting documentation. Ensure all your documents are certified.
- Complete and lodge your First Home Owner Grant application.
Payment of the grant
Payment of the grant is at the discretion of the Commissioner for State Revenue.
Applications lodged with the State Revenue Office will be paid after completion of the eligible transaction. The Commissioner may authorise earlier payment of a first homeowner grant on conditions the Commissioner considers appropriate.
Applications lodged by an approved agent, the payment will be made to the agent when:
-
Contract to build
If you are building a home under a comprehensive building contract, payment will be made following the completion of the laying of the foundations.
-
Owner builder
If you are building as an owner builder, payment is usually made on receipt of an occupancy certificate.
-
Purchasing a new home or an off-the-plan home
If you are purchasing a new home or an off-the-plan home that is financed, then payment is usually made to your financial institution on the settlement of your property.
First home buyers of established homes duty concession
The concession offers a 50% discount on transfer duty for first-time buyers of established homes with a taxable value:
- From February 7, 2018, to March 15, 2021, inclusive property purchases of $400,000 or less were eligible.
- Property purchases between March 16 and December 31, 2021, are eligible for a $500,000 or less price tag.
- Property purchases made between January 1, 2022, and June 30, 2024, inclusive, must not exceed $600,000.
Eligibility
In order to qualify for this exemption, all of the buyers or recipients:
- You must buy an existing home in Tasmania that does not surpass;
- $400,000 or less between February 7, 2018, and March 15, 2021, inclusive; or
- Any amount totaling $500,000 or less during the period from March 16, 2021, to December 31, 2021, inclusive; or
- Any sum up to $600,000 between January 1, 2022, and June 30, 2024, inclusively;
- It must be an individual (not a company or a trust); and
- Must be a minimum of 18 years old*; and
- Must be either an Australian citizen or a permanent resident. If there are multiple applicants, at least one of them must meet these criteria, and
- Must not have previously owned a home in Australia or have a spouse/partner who owned a home in Australia; and
- Applicants should not have previously obtained a First Home Owner Grant or received the Duty Concession in any Australian state or territory, nor should they have a spouse or partner who has received such a grant and
- Must fully complete the application form and submit it with all the necessary supporting documentation; an
- Please make sure that every individual holding a significant interest in the property is accurately listed on the application form.
Residential requirements
Beyond the aforementioned criteria, qualifying transferees must also inhabit the home as their primary place of residence for an uninterrupted 6-month duration, commencing within 12 months of property acquisition*. To fulfill the principal place of residence condition, the property should serve as your customary eating and sleeping place. Mere storage of personal items in a vacant residence does not meet this requirement. The duty concession can be applied in anticipation of this condition being met.
ACT
The First Home Owner Grant (FHOG) has been superseded by the newly introduced Home Buyer Concession Scheme.
Who is eligible?
To be eligible for the HBCS, the following criteria must be met:
- All buyers of the home or land must be individuals of at least 18 years old.
- The total gross income of all buyers, including their partners (if any), must not be greater than the relevant income threshold below.
- All buyers, including their partners (if any), must not have owned (legal or equitable interest) any other property in the last two years. A partner includes your spouse, civil union partner or de facto partner.
- At least one buyer must live in the home continuously for at least one year, starting within 12 months of the date of completion (settlement date) or the date that a certificate of occupancy has been issued**.
* There are limited exceptions to this requirement, including court orders and agreements made under the Family Law Act 1975 and the Domestic Relationships Act 1994. These orders or agreements must be made before the transaction date.
*The Commissioner for ACT Revenue can exempt you from the residence requirements, in full or in part, but only in very specific circumstances.
Eligible properties
All properties in the ACT are eligible for this scheme. It applies to vacant residential land and both new and established homes anywhere in the ACT and at any price. From 1 July 2021, a concession cap has been implemented for the amount of tax that will be waived under the HBCS.
Residency requirements
At least one buyer must live in the home continuously for at least a year. They must commence residence within one year of either the settlement date (for an eligible home) or the date that a certificate of occupancy has been issued (for vacant land).
The Commissioner for ACT Revenue can exempt you from the residency requirements, in full or in part, but only if:
- You cannot live in the home as your principal place of residence from the residence start date for at least 1 year because of an unforeseen circumstance, such as a health-related issue, and
- You request an exemption in writing no later than 18 months after:
- The settlement date (for an eligible home) or
- The date you receive the Certificate of Occupancy and Use once construction of the new home is finished (for vacant land).
If you do not meet the residency requirements, you will be liable to pay full conveyance duty in relation to the transaction unless an exemption is granted. Penalty tax or interest may also apply if the requirements are not met.
If you have any concerns about your residency, you should contact us as early as possible.
How to claim?
If you're eligible to claim the concession, you will need to reference the concession code number on the Buyer Verification Declaration before you register the title transfer with Access Canberra. Don’t forget to claim your HBC, if you’re eligible, by entering the concession code number on the Buyer Verification Declaration before you lodge for registration. You do not need to give us any other documents at this time.
If you do not claim the HBCS concession code number on the Buyer Verification Declaration before you register your transfer, you can submit a late claim using the Application for concession, exemption, or correction of duty after registration of the title form. Upon receiving your claim, we will promptly provide you with a reassessment notice confirming the application of the concession.
NT
Your income and the price of your home don’t affect the FHOG.
To find out if you are eligible for the FHOG, complete the eligibility test.
Starting on May 7, 2019, individuals purchasing or constructing a new residence have the opportunity to request a First Home Owner Grant (FHOG) amounting to $10,000.
Eligibility criteria
To apply for the FHOG, Applicants must:
- Lodge a completed application and all supporting documents within 12 months of the completion date of the eligible transaction.
- Be a natural person (not a company or trustee), and at least one of the applicants must be 18 years of age or older at the commencement date of the eligible transaction.
- Make sure that at least one of the applicants is either an Australian citizen or a permanent resident when you fill out the application.
- Have entered into an eligible transaction.
- Ensure each person holding a relevant interest in the home is an applicant.
Note: This does not include the owner of a farming property where the applicant has permission to build a home on that property, an owner of a property where permission has been given to a relative to build a home on that property or to a guardian that holds the land for a person with a legal disability.
Applicants and their spouses or de facto partners must:
- Not have previously received a FHOG in any state or territory of Australia. If the FHOG was received but later paid back together with any penalty, they may be entitled to reapply for the grant.
- Applicants must not have previously possessed or held a significant stake in a residential property anywhere in Australia prior to July 1, 2000, regardless of whether they resided in the property or not.
- And not have occupied a residential property in which they owned or acquired a relevant interest in on or after 1 July 2000 anywhere in Australia.
Residence requirements
At least one applicant must commence occupation of the home as their principal place of residence for a continuous period of not less than six months within 12 months of the completion date of the eligible transaction. Where a home is purchased subject to an existing lease, the 12-month period commences on the expiry of the lease, providing that occurs within 12 months of the applicant becoming the owner of the property. For further details on the implications of purchasing a home subject to an existing lease, refer to Commissioner’s Guideline CG-HI-010.
If the residence requirements are not satisfied, the applicants are required to notify TRO and may be required to repay the amount of the FHOG (see Section 10 of this Guide).
In special circumstances, the residence requirements may be varied by the Commissioner as follows:
- The applicants may be exempted from the residence requirements
- The period for commencing occupation of the home or for taking possession of the home after the completion date of the eligible transaction may be extended
- And the six-month period for continuous occupation of the home may be reduced.
For further information, refer to Commissioner's Guideline CG-HI-003.
Commissioner's discretion to vary eligibility criteria
The Commissioner may vary eligibility criteria relating to:
- The 18 years minimum age requirement (see Commissioner's Guideline CG-HI-003)
- The residence requirements (refer to Section 9 of this Guide)
- And the eligibility of separated spouses (refer to Commissioner's Guideline CG-HI-008).
The Commissioner also has the discretion to declare a home that has been previously sold but not occupied to be a new home (refer to Commissioner's Guideline CG-HI-011).
How to lodge your application
Applications may be lodged with:
- The approved agent that is providing your finance. Most financial institutions are approved agents. If you require the FHOG for settlement, you must lodge the application with your financial institution as soon as possible.
- TRO –
For further information, contact the Territory Revenue Office:
Level 14, Charles Darwin Centre 19 The Mall, Darwin
GPO Box 154 DARWIN NT 0801
Our office operates during the following hours: 9:00 AM to 4:00 p.m., Monday to Friday, 9.00 a.m. to 2.00 p.m., the last Tuesday of each month
Phone: 1300 305 353
Email: NTRevenue@nt.gov.au
Website: www.revenue.nt.gov.au
*Note: Applications must be lodged directly with TRO where the eligible transaction is the result of:
- A purchase or transfer from a deceased estate and the deceased is related to one or more of the applicants, or an applicant is a beneficiary under the will of the deceased person
- Or a purchase or transfer pursuant to orders made in proceedings under the Family Law Act 1975 (Cth), and an applicant is a party to those proceedings.
When the FHOG will be paid
The date the FHOG is paid depends on whether you are buying or building a home and if you are applying through an approved agent or TRO. The following table details the various scenarios.
Where the application is lodged with an approved agent, the agent pays the FHOG. Once your application is submitted to the TRO, payment will be processed through electronic funds transfer to your designated bank account, typically within five business days of receiving a comprehensive application along with all the required supporting documents.
Notifiable events and obligation to repay the FHOG
In the following circumstances and timeframes, applicants are required to notify TRO in writing and repay the amount of the FHOG.
Australian Government
Department of Defence
Department of Veterans Affairs
What is the Defence Home Ownership Assistance Scheme DHOAS?
The Defence Home Ownership Assistance Scheme (DHOAS) has been meticulously designed to offer crucial assistance to both present and past members of the Australian Defence Force (ADF) and their families, enabling them to achieve their aspirations of becoming homeowners. This program aims to help them achieve their dream of owning a home. The Department of Veterans Affairs administers DHOAS on behalf of the Department of Defence.
The Scheme is aimed at improving ADF recruitment and retention. The longer you serve in the ADF, the more entitlement you accrue under DHOAS and the longer you can receive assistance.
In order to qualify, you must have fulfilled a minimum period of effective service and accumulated a service credit. Additionally, you will be required to obtain a DHOAS home loan and fulfill the Scheme's conditions, which include meeting occupancy requirements, in order to receive the monthly subsidy payments.
Applying for a subsidy certificate
- Completing the form
- Service records
- Subsidy certificates
- Reapplying and reassessments
Members apply to DHOAS for a subsidy certificate. It is proof of your eligibility under the scheme. As part of the application, you also indicate if you'd like to apply for a lump sum.
You can email, fax, or post your completed Subsidy Certificate and all supporting documentation to DHOAS.
Email: dhoas@dva.gov.au
Fax: +61 7 3815 9430
Post: GPO Box 9998, Brisbane, Qld 4001.
If eligible, DVA will send to you the following:
- Your subsidy certificate (please note it will not be sent directly to your Home Loan Provider)
- A letter informing you of the subsidy tier to which you are entitled
- A fact sheet detailing the conditions of the Scheme
If you are not eligible, you will receive:
- A letter providing an explanation for the decision.
When you receive your subsidy certificate, you take it to one of the three Defence-nominated DHOAS Home Loan Providers, either the Australian Military Bank, Defence Bank, or NAB, to apply for your home loan.
When your home loan is drawn down, your Home Loan Provider will advise DVA of the loan balance so that your subsidy entitlement can be calculated.
At this time, you will also need to send to DVA a completed Subsidy Authorisation Request Form indicating you are meeting the conditions of the Scheme. DVA will commence paying your monthly payments into your DHOAS home loan. If you applied and were approved for a lump sum, this will be paid into your home loan at the same time as your first monthly subsidy payment.
What is the Home Purchase Assistance Scheme (HPAS)
Eligibility for HPAS
You may be eligible for HPAS if you're a member of the Permanent Forces or a Reserve member on continuous full-time service (CFTS) for at least 12 months and you:
- Buy a home in your current or next housing benefit location or family benefit location
- Purchase the home after getting your posting order
- Will be in that location for at least 12 months after signing the contract
- Occupy the home within the required time limit.
When a home must be occupied
A home that's under construction must be occupied within the earlier of these dates:
- A month after the day the home is ready to live in
- 12 months after signing the contract to build the home
- 12 months after starting to build the home if you are building it yourself.
If you purchase a home in your new location after you get a posting order or an alternate located work agreement but before you start duty there, the home must be occupied within one month after the earlier of these two dates:
- The day you begin duty in the new location
- The settlement date.
For all other situations, you or your resident family must occupy the home within one month after the settlement date.
If circumstances beyond your control cause a delay in occupying the home, you may be able to request an extension of up to 12 months. The ADF Delegations team will give you advice on how to apply for the extension.
How much you can get
The HPAS payment is $16,949 (before tax). If you buy a home with someone who's not a resident family, you'll only get a percentage of this amount, depending on what share you own.
You may need to repay HPAS if the purchase doesn't go ahead for any reason. If Service reasons prevented you from buying the home, you may be able to claim reasonable costs. The ADF Delegations Team can give you more information.
Applying for the HPAS
Complete and submit an Application for Home Purchase Assistance Scheme or Home Purchase or Sale Expenses Allowance (AC970) form. You can download this from the webforms portal on the Defence Protected Network (DPN).
You can also apply through ServiceConnect on the DPN.
Before you start, check what documents you need to submit with your application. These may include:
- Your posting order
- A duplicate of the contract, complete with a signature and date, is required.
- A copy of your approved Categorisation Change and Application to Live In/Live Out - ADF (AE681) form.
To apply:
- Open an AC970 form
- Select HPAS in the Application type section
- Answer the question about previous applications
- Complete the Member's Details section
- Complete the Payment under the HPAS section
- Attach any supporting documents
- Send your application to your Commanding Officer (CO). If you're applying through ServiceConnect, you can forward the form to your CO automatically.
You can find information about the supporting documents by:
- Going to the intranet homepage on the DPN
- Clicking on PeopleConnect on the left-hand side menu
- Clicking into the search bar and typing ‘Personnel Administration Centres’
- Selecting the first result
- Selecting APS/ADF Delegations Administration Centre
Your CO will submit the signed form through ServiceConnect or to ADF.Delegations@defence.gov.au.
The approval process may take between 8 and 14 weeks, depending on peak posting periods. You'll get an email advising you of the outcome. If approved, you'll get the payment in your next pay.
If you later sell this home, you may be able to claim the Home Purchase or Sale Expenses Allowance (HPSEA).
Please contact us for more detailed information.
info@wealthyyou.com.au
☎️ (02) 7900 3288
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