First Home Buyer Loans

Buying your first home is a big milestone—but it doesn’t have to be stressful. At Lightning Fast Finance, we’re here to make the process faster, easier, and tailored to your needs. Whether you're just starting out or ready to make a move, we help first-time buyers feel confident every step of the way.

Our State-Based Expertise

We understand that first home buyer policies vary by state. From stamp duty exemptions to government grants, each state has its own incentives and eligibility criteria. Our team stays up to date with the latest changes and tailors our advice based on where you're purchasing. We track all state-level updates so you don’t miss out on valuable benefits. Our goal is to help you take advantage of what’s available based on your location.

As of June 17, 2025, here’s an overview across major states:

South Australia

First home buyers purchasing or building a new home may qualify for a $15,000 grant with no price cap. Additional stamp duty exemptions are available for eligible buyers purchasing new builds. Applicants must live in the home for a minimum of six months within the first year.

Victoria

A $10,000 grant is available for newly built homes valued up to $750,000. Buyers may also receive full stamp duty exemptions for homes priced under $600,000, and partial discounts up to $750,000. These incentives apply to new constructions, off-the-plan properties, and house-and-land packages.

Queensland

Eligible first home buyers can access a generous $30,000 grant for new homes priced up to $750,000. Stamp duty concessions also apply to lower-priced properties. The Queensland government has recently expanded its support programs, aiming to help more buyers enter the market.

Western Australia

First home buyers building or purchasing new homes may receive a $10,000 grant, with the cap depending on location. Full or partial stamp duty exemptions are available for homes valued up to $530,000, with special support for regional and off-the-plan projects. Owner-occupier residency requirements apply.

Tasmania

First home buyers may be eligible for a $10,000 grant when purchasing or building a new home. Full stamp duty exemptions also apply for established homes under $750,000, making it one of the most accessible entry points for buyers in regional and metro areas.

New South Wales

Eligible buyers can access a $10,000 grant for new builds and off-the-plan purchases. Stamp duty concessions apply to homes under $1 million, with full exemptions available below $800,000—helping first-time buyers enter one of Australia's most competitive markets.

What We Help With

From understanding your borrowing power to finding the right lender and guiding you through approval, our team simplifies every step of the journey. We break down your options without jargon, ensure your documents are handled correctly, and give you full visibility on costs, timelines, and opportunities to save.

We offer personalised loan recommendations based on your financial situation and goals

We work with over 50 trusted lenders to find the best deal for you

We’re independent and always act in your best interest

We stay with you from application to settlement—and beyond

Your Home Journey

Expert Mortgage Advice

Navigating the path to your dream home is our specialty. With Lightning Fast Finance, we simplify the mortgage process, ensuring you understand every step. Our team of experienced brokers is dedicated to finding the best solutions tailored to your needs. Let us guide you through the complexities of home financing, making your journey smooth and stress-free. Start your home ownership adventure with us today.