What can you stack?
Pick your situation and see every scheme that applies, with real figures.
Figures assume you meet the standard first home buyer tests (age, citizenship or permanent residency, no previous property, and living in the home). The two minute checker walks through all of them.
HomeGrown Territory Grant: $50,000
The Territory pays $50,000, five times the NSW grant, for first home buyers building or buying a new home. No price cap, no income test. The 2026-27 budget extended it to contracts signed by 30 September 2027, and off the plan purchases, owner builds and permanently fixed transportable homes all count.
The old $10,000 grant for established homes closed to new contracts at the end of September 2025, so do not count on it. Live in the home for 12 months as your principal place of residence, and at least one applicant must be an Australian citizen or permanent resident.
Not a first home buyer? The FreshStart grant pays existing owners $30,000 to build new, though it cannot be combined with HomeGrown.
Official source: nt.gov.au
Stamp duty: free on house and land packages
The NT has no general first home buyer duty concession. What it has instead is the House and Land Package Exemption: buy a new house and land package from a building contractor in a single transaction and you pay zero stamp duty, with no price cap and no means test, for contracts signed by 30 June 2027. Any buyer qualifies, not just first timers.
Buying an established home means paying the standard rate. Move into an exempt package within 12 months of completion and stay at least six months.
Official source: nt.gov.au
HomeBuild Access: low deposit Territory loans
The NT Government backs low deposit home loans for new builds and land and build packages through People First Bank, including a subsidised interest rate option and an off the plan deposit loan.
Price caps are modest: $475,000 for homes with up to two bedrooms and $550,000 for three or more. For Darwin buyers above those caps, the federal 5% guarantee usually does the same job.
Official source: nt.gov.au
First Home Guarantee: 5% deposit, no LMI
The federal First Home Guarantee, now marketed as the Australian Government 5% Deposit Scheme, lets you buy with a 5% deposit while the government guarantees the rest. No income caps and no place limits since October 2025.
Fresh news for the Top End: from 1 July 2026 Darwin gets its own higher cap of $750,000, with $600,000 for the rest of the Territory. Move in within six months of settlement and apply through your lender. It stacks with HomeGrown and the package exemption.
Official source: firsthomebuyers.gov.au (Housing Australia)
First Home Super Saver Scheme
Build your deposit inside super, taxed at 15% instead of your marginal rate. Contribute up to $15,000 a year voluntarily and release up to $50,000 per person plus associated earnings when you buy. Request the release through the ATO before signing and allow a few weeks. Our First Home Super Saver Scheme guide covers the contribution caps, the release timing and how to apply.
Official source: Australian Taxation Office
Three real price points
The same figures the stamp duty calculator uses, applied to three typical purchases in the Northern Territory.
A house and land package: $50,000 grant plus zero duty
- FHOG: $50,000
- Duty saved: $27,225
An established home: full duty, no grant since September 2025
- FHOG: not eligible
- Full duty applies: $23,929
A bigger house and land package in Darwin, inside the new $750k cap
- FHOG: $50,000
- Duty saved: $34,650
How to actually get the money
Run the eligibility checker
Two minutes, every scheme at once, including whether HomeBuild Access caps fit your build.
Let your broker lodge the paperwork
HomeGrown and the 5% deposit guarantee both go through your lender with your loan application.
Structure the package as one contract
The duty exemption needs the house and land bought from the building contractor in a single transaction. Get the contract structure right before you sign.
Keep the residency rules
HomeGrown needs 12 months of living in the home; the duty exemption needs you in within 12 months of completion for at least six months.
Straight answers
How much is the first home owner grant in the NT in 2026?
The HomeGrown Territory Grant is $50,000 for building or buying a new home, the largest in Australia, with no price cap and no income test. The 2026-27 budget extended it to contracts signed by 30 September 2027.
Can I get a grant for an established home in the NT?
Not anymore. The $10,000 established home grant closed to contracts signed after 30 September 2025. The $50,000 HomeGrown grant is for new homes only, and established purchases also pay full stamp duty.
Do first home buyers pay stamp duty in the NT?
It depends on what you buy. A new house and land package bought from a building contractor in a single transaction is completely duty free with no price cap until 30 June 2027. Established homes and other purchases pay the standard rate.
Can I combine the $50,000 grant with the duty exemption and the 5% deposit scheme?
Yes. A house and land package under Darwin’s new $750,000 federal cap can take the $50,000 HomeGrown grant, zero stamp duty and a 5% deposit under the federal guarantee all at once.