Tax and legal advice

First home owner grants: What are the changes happening across Australia?

LiaMontgomery  70x60The start of July saw a whole host of changes to the nation's First Home Owner Grants (FHOG).

Blogger: Lisa Montgomery, finance expert, Resi Mortgage Corporation

This could be essential information for anyone interested in taking out a mortgage and purchasing their first property in the near future. These funds can be of great assistance when trying to achieve your real estate goals, especially for young couples hoping to buy their first home together.

What is a First Home Owner Grant?
In Australia, there are a number of opportunities for first home buyers to secure financial help when looking to purchase their first property. The First Home Owner Grant is one of the main grants offered by states across the nation. The amount of the grant offered varies between states, but the basics remain the same: it is financial aid offered by state governments for buyers looking to purchase or build their first home in order to help stimulate the economy and encourage buyers to purchase property.

The scheme was created to help offset higher housing prices and costs following the introduction of the Goods and Services Tax (GST), with the FHOG offering a one-off lump sum payment to aid the purchase of property.

What are the new changes?
The basic changes occurring across the nation vary between the different states. For example, eligible buyers in New South Wales can receive $15,000 funding for new homes valued up to $750,000, while Victorian applicants can apply for a $10,000 grant to help fund the purchase or construction of their new home. Furthermore, Queensland buyers can seek $15,000 to help fund the purchase or construction of property.

There are a number of changes occurring across all of Australia's states. As a first home buyer, it could be worth investigating the options available to you in your local region in order to secure the financial aid on offer.

What are the differences between an established home and a new property?
The main differences that need to be observed when applying for a FHOG across Australia are now concerning whether the property is new or established. Effectively, many of the grants will only apply to buyers looking into either building their own home from scratch or purchasing a recently constructed home that has never previously been occupied.

This is in contrast to established properties, which are defined as previously occupied homes. Furthermore, some states are willing to extend funding to radically renovated homes, where major changes have been made to a large portion of the house.


About Lisa Montgomery
LiaMontgomery  340x408With a career spanning 30 years, Lisa Montgomery is a respected leader, communicator and consumer advocate within the Australian financial services industry and is a regular commentator on Sky News and Sky News Business Channels and a frequent host on the live to air program – Your Money, Your Call. Lisa is currently the head of communications for award winning, Australian non-bank lender, Resi Mortgage Corporation.

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With the softening market impacting property values in many parts of Australia, Sally Wood, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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A joint property portfolio before they were even living together

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