First Home Buyers

Helping First Home Buyers in Queensland Secure Their First Home

Buying your first home can be quite an exciting milestone, but the process might be somewhat overwhelming. Deltos Finance focuses on guiding first home buyers in QLD to access available grants, maximise stamp duty concessions, and secure the right home loan. Whether you are purchasing your dream home or just looking into the First Home Buyers Scheme in QLD, we have experienced mortgage brokers who will equip you with ample knowledge and make your property journey smooth, convenient and stress-free.

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Why Choose Deltos Finance for Your First Home?

As specialists in the Queensland property market, we’ve seen firsthand the unique challenges and opportunities that first home buyers in QLD often face. So, we’re here to ease your burden and help you enjoy the process of owning your first property. Our team offers personalised guidance, from assisting your First Home Owner Grant in QLD application to shopping for home loans with the best rates and terms on your behalf.

Here’s how we help:

Expert Guidance

From understanding the eligibility conditions for grants for first home buyers in QLD to lodging the grant applications, we’re here to assist.

Grant Assistance

We’ll ensure you understand the benefits of the First Home Buyers Guarantee in QLD and related programs. It’s our way to help lower the cost of owning your first home in Queensland.

Tailored Support

Whether you’re exploring grants and other financing options as Aboriginal and Torres Strait buyers or applying for the First Home Owner Grant in QLD for established homes, our mortgage brokers are happy to guide you.

A potential client asking a mortgage broker in Australia.

What is the First Home Buyers Grant QLD?

The First Home Buyers Grant or First Home Owner Grant (FHOG) in QLD is a government initiative that supports first-time property buyers in Queensland. Eligible applicants purchasing or building a new home may receive $15,000 to $30,000, which can help lower the overall costs. After June 30, 2025, the grant amount will revert to $15,000.

To qualify for the FHOG in QLD, you must meet certain conditions, including:

Being a permanent resident or Australian citizen.
Purchasing or building a new home as your principal place of residence.
Meeting income limits and other criteria specific to the grant.

Our team will walk you through the rest of the eligibility criteria, including property type and value thresholds. With our guidance, you can lodge your application efficiently.

Stamp Duty & Deposit Requirements for First Home Buyers in QLD

Stamp duty is quite hefty for many buyers, but first home buyers in QLD can enjoy stamp duty concessions if they meet the requirements, including the date of entering a property purchase contract. Normally, you can get partial concessions or be exempted fully for homes valued under $800,000. But if you enter into a contract to buy your first home from May 1, 2025, you can apply for full transfer duty concessions in QLD.

Another common challenge is saving for the deposit, but with programs like the First Home Buyers Guarantee in QLD, eligible buyers can purchase properties with as little as a 5% deposit. Feel free to talk to our mortgage brokers to learn more about this scheme.

Help for First Home Buyers in Queensland

The Queensland government offers various schemes to support first home buyers in QLD, including:

First Home Buyers Scheme QLD

Offers grants and tax benefits for eligible buyers.

Benefits for First Home Buyers QLD

Includes reduced upfront costs, deposit assistance, and more.

Aboriginal First Home Buyers QLD

Specific programs and support are available for Aboriginal and Torres Strait individuals entering the property market.

Our mortgage brokers will help you access these programs and ensure you make the most of every opportunity.

First-Time Home Buyer in QLD: What’s the Process?

The journey to homeownership can feel complicated, but we simplify it with clear steps:

Consultation

Our mortgage brokers will take the time to assess your financial goals, housing needs, and eligibility for programs like the First Home Owner Grant in QLD.

Deposit Planning

We’ll help you explore financing options that can help accommodate or augment your deposit savings, including low-deposit loans and government guarantees.

Grant Applications

Count on us to assist you when you apply for the First Home Owner Grant in QLD and other related government services and schemes.

Loan Approval

With our extensive lender network in Australia, we can help you secure a competitive mortgage tailored to your needs.

Settlement

We’ll also help finalise your purchase so you can move into your new home!

Why Now is the Perfect Time for First Home Buyers in QLD

With incentives like the First Home Buyers Grant in QLD, stamp duty concessions, and deposit guarantees, there’s never been a better time to enter the Queensland property market. These programs provide much-needed assistance to current and future generations of homebuyers, ensuring the dream of owning a home is within reach.

Start Your Homeownership Journey with Deltos Finance

At Deltos Finance, we’re passionate about helping first home buyers in Queensland achieve their goals. From helping you explore the grants and schemes for first-time buyers in QLD to secure the best mortgage options, our team is here to support you.

Getting Started

Are you a first home buyer?

Check out our guide for first home buyers.

Our brokers will support you through the whole process and answer any questions you might have in relation to buying your first home.

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