Help & support
Find out if you’re eligible for the First Home Owners Grant (FHOG) as a first home buyer that is buying or building a residential property to live in.
Eligible customers receive conditional approval in as little as 10 minutes when they apply online.
Access expert guides, calculators, and help with government grants and schemes — all designed to make your journey easier.
Start your home-buying journey with Buy a home in the CommBank app.
Apply online or book an appointment for a new loan and see if you're eligible for a lower interest rate. Plus, get local market and property insights when you connect with a lender.
The First Home Owner Grant (FHOG) was introduced in 2000 to partly offset the effect of the Goods and Services Tax (GST) on buying or building a home. It’s a one-off payment for eligible first home buyers who buy or build a residential property in which they live.
Are a permanent resident or citizen of Australia
Never received the grant or owned residential property
Are buying a new or substantially renovated home as an individual (not as a company or trust)
Are the minimum age set by your state or territory’s scheme (usually 18)
Will live in the residence for the minimum time determined by your state or territory (the grant is not available for investment properties)
At least one applicant must be a permanent resident or Australian citizen. Apply for the grant within 12 months of settlement
The FHOG is a national scheme funded and administered by each of the states and territories under their own legislation. It’s not means tested, which means your eligibility isn’t subject to financial considerations such as your income.
The grant amount, eligibility criteria and payment details of FHOG vary between states and territories, so it’s important to check with your Home Lending Specialist when you apply for a home loan.
The grant is usually paid to your home lender at the time of settlement and applied directly to your home loan. If you’re building a home, the grant will be approved when your first loan repayment is due.
Some state and territories have additional grants or discounts for first home buyers who buy or build a home, especially in regional areas.
Check First Home Owners Grant (FHOG) by state
The grant amount, eligibility criteria and details of FHOG can vary between states and territories, so it’s important to check with your Home Lending Specialist or learn more about the grant depending on the state or territory you live in.
Book a time with lender
To apply for the First Home Owner Grant (FHOG), speak to a Home Lending Specialist who will guide you through the process.
Check if you're eligible for any other government support initiatives that can you help buy your home sooner.
A short questionnaire to help you explore government grants and schemes you may be eligible for when buying your home.
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Rate/s apply to new lending only and may include a margin below or above the applicable reference rate. The current reference rates including for Interest Only payments can be found here.
