📄 To save this as a PDF: press Cmd+P (Mac) or Ctrl+P (Windows), then choose "Save as PDF" as the printer. Free to share with anyone, please keep the NestPath attribution intact.

NestPath · One-Page Cheatsheet

Australian FHB 2026: Every Scheme + Threshold On One Page

Updated 5 July 2026

nestpath.com.au/fhb-facts-2026

CC BY 4.0 · Free to share with attribution

Federal schemes (2026)

5% Deposit Scheme (was First Home Guarantee)

5% deposit, zero LMI, 100% ownership
Income cap: none (removed 1 Oct 2025)
Places: unlimited
Price caps: Sydney $1.5M · Melbourne $950K · Brisbane $1M · Perth $850K · Adelaide $900K · Hobart $700K · ACT $1M · Darwin $750K · NT rest $600K

Help to Buy (launched 5 Dec 2025)

2% deposit, government owns 30% existing / 40% new
Income cap: $103K single / $165K couple (indexed 1 Jul 2026)
Places: 10,000/year (40,000 total through 30 Jun 2029)
Sydney $1.3M · others match the 5% Deposit caps

Family Home Guarantee

Single parents only · 2% deposit · zero LMI
Income cap: none
Places: unlimited
FHB not required (unique among federal schemes)

First Home Super Saver Scheme (FHSSS)

Save up to $50K via super at 15% tax (vs marginal rate)
Cap: $15K/year, $50K total
Typical $3-8K tax saving over 3 years
Stacks with all other schemes

State grants + stamp duty thresholds (2026)

State	FHOG	Stamp duty full exemption	Notable 2026 change
NSW	$10,000	Up to $800K (FHBAS) · concession to $1M
VIC	$10,000	Up to $600K · concession to $750K	VHF closed 10 Sep 2025 · use Help to Buy
QLD	$30,000	New: no cap (since 1 May 2025) · Est: up to $700K, concession to $800K	$30K grant continued in the 2026-27 budget (no reversion to $15K)
WA	$10,000	Up to $600K · concession to $800K (from 7 May 2026)	Exemption to rise to $600K, concession $800K (est. 28 Jul 2026)
SA	$15,000	New: no cap (since 6 Jun 2024)
TAS	$20,000	Ended 30 Jun 2026 (standard duty applies)	$30K boosted ends 30 Jun 2026, then $20K to 30 Jun 2027
ACT	No cash grant. ACT operates the Home Buyer Concession Scheme instead.	Abolished for FHBs from 1 Jul 2026 (no cap, no income test)	FHB stamp duty abolished 1 Jul 2026 (no cap, no income test)
NT	$50,000 HomeGrown	House-and-land: no cap (until Jun 2027)	$50K HomeGrown ends 30 Sep 2026

Dates to know

1 Jul 2026: ACT abolished FHB stamp duty (no cap, no income test)
30 Jun 2026: WA off-the-plan stamp duty relief ends
30 Jun 2026: TAS established home concession ends
30 Sep 2026: NT $50K HomeGrown ends

31 Oct 2026: VIC off-the-plan extended concession ends
30 Jun 2027: NT house-and-land exemption ends
1 Jul 2027: Negative gearing ring-fence on established property takes effect; 50% CGT discount replaced

Lending environment (July 2026)

RBA cash rate 4.35% (hiked from 4.10% on 5 May 2026, then held at 4.35% on 16 Jun 2026) · Big-four variable rates 5.99-6.44% · APRA buffer +3% on contract rate · HEM (Melbourne Inst) for living expense floor. Market pricing implied a path near 4.7% by year end, but that is not an RBA forecast.

Negative gearing reform: 12 May 2026 budget

Established residential investment property contracted after 19:30 AEST 12 May 2026 has rental losses ring-fenced from 1 July 2027 (no salary-offset; carry forward against rental income or capital gain). New builds exempt (carve-out preserved). 50% CGT discount replaced by cost-base indexation + 30% minimum tax from 1 Jul 2027. Existing investors fully grandfathered.

Check your status: nestpath.com.au/blog/negative-gearing-explained

Built by NestPath · Founder Anish Puri · Free AU FHB guide · nestpath.com.au

Disclaimer: general educational information only. Not personal financial or tax advice. Verify with a registered tax agent or mortgage broker before acting.