Finance & Grants – Queensland 2025 Complete Guide

At House and Land Packages Queensland, we unlock every available grant and scheme to make your SEQ turnkey home affordable and achievable. From the QLD First Home Owner Grant ($30k extended to June 30, 2026) to the latest federal programs via firsthomebuyers.gov.au (rolled out October 2025, no November changes), save up to $80k+ on our fixed-price packages like $749k Affinity Morayfield or $729k Bellagrove Gympie. All details below are current as of November 15, 2025 – no waitlists, unlimited spots on federal schemes. Speak to our partners (RAMS/Pepper Money) for personalized calculations.

QLD First Home Owner Grant (FHOG) – Up to $30,000 Cash Grant

The Queensland Government's flagship scheme for first-home buyers on new homes or house & land packages valued up to $750,000. Extended in the June 2025 State Budget for contracts signed between November 20, 2023, and June 30, 2026. New practice directions issued October 1, 2025, for home owner grants and transfer duty. Stack with federal schemes for even bigger savings on our Affinity, Bellagrove, or Farriers Creek packages.

  • Eligibility: Australian citizen or permanent resident, first-time home owner (no prior Australian property), must occupy the home as principal residence for 6+ months, age 18+.
  • Benefits: $30,000 grant + stamp duty concession (full exemption on homes ≤$550k; sliding scale to $750k – up to $15,750 saved). Applies to vacant land concessions too (changes from May 1, 2025: limited to residential vacant land).
  • Example: $729k Bellagrove Gympie package → $30k FHOG + $4k stamp duty concession = $34k total upfront save.

Official FHOG Calculator & Eligibility Check

Test your exact amount with the QLD Revenue Office tool (updated October 2025):

Open QLD FHOG Calculator

4 Easy Steps to Claim Your FHOG

  1. Verify Eligibility: Visit QRO Website for instant check (5 minutes; includes off-the-plan rules for our packages).
  2. Get Loan Pre-Approval: Through our partners (RAMS, Pepper Money) – integrates with federal 5% deposit scheme to avoid LMI.
  3. Select & Secure Package: Choose lot + design (e.g., 3-bed Affinity Morayfield) + sign contract (fixed-price guarantee).
  4. Receive Grant at Settlement: Automatic via QRO – we coordinate paperwork for direct payment (no out-of-pocket delay).

Federal Schemes from firsthomebuyers.gov.au – Stack with FHOG for $80k+ Savings

These Australian Government initiatives (fully live since October 2025, no November updates) are designed for first-home buyers nationwide, including QLD. No waitlists, unlimited spots on 5% Deposit and Super Saver; Help to Buy opens soon (10k/year). They complement QLD FHOG perfectly for our $729k–$769k packages – low deposits, tax breaks, shared equity. All eligibility is straightforward; apply via lenders like NAB/CommBank for 48hr approvals.

Australian Government 5% Deposit Scheme – Buy with 5% Down, No LMI

Enter homeownership with a minimum 5% deposit (2% for single parents/legal guardians) – the government guarantees loans up to 95% LVR (98% for singles), eliminating Lenders Mortgage Insurance (LMI, saves $10k–$20k). Over 240,000 Australians helped since launch.

  • Eligibility: First-home buyer, Australian citizen/resident, new/existing homes (apartments, houses, townhouses, vacant land). No income caps, unlimited places.
  • Benefits: Faster entry – e.g., $38k deposit on $769k Farriers Creek Burpengary (vs. $154k at 20%). Wide home types qualify, including our house & land packages.
  • QLD Example: $749k Affinity Morayfield → 5% = $37k deposit + $30k FHOG = $67k total save upfront.
  • Process: Save your deposit → Speak to a participating lender (assesses in 48hrs) → Government backs the loan.

Official 5% Deposit Guide (Updated October 1, 2025)

First Home Super Saver Scheme – Tax-Free Super for Your Deposit

Save for your deposit inside superannuation with concessional tax rates – withdraw up to $50k + earnings (taxed at 15% vs. 30–45% marginal rate). No changes since October 2025 rollout; couples/friends can combine for larger deposits.

  • Eligibility: 18+, first-time buyer (never owned Australian property, including investment/vacant land), plan to live in the home (owner-occupier). Works with other schemes.
  • Contribution Limits: $15k/year voluntary (pre/post-tax), max $50k withdrawable (+ earnings).
  • Benefits: Grows faster in super – e.g., $15k/year for 3 years = $50k+ for deposit on $729k Bellagrove Gympie.
  • QLD Example: Super saver $36k deposit for $729k package + $30k FHOG + 5% scheme = near-zero upfront for SEQ first-homers.
  • Process: Contribute to super → Apply to ATO → Withdraw when buying (48hrs processing; repay if not used for home).

Official Super Saver Guide (ATO – October 2025)

3. Australian Government Help to Buy Scheme – Shared Equity (40% Government Contribution)

Government shares 40% equity on new builds (30% on existing) – you need just 2% deposit + loan for the rest. Applications "coming soon" (10k spots/year; no November updates).

  • Eligibility: 18+, first or previous homeowner, income ≤$100k individual/$160k joint (based on prior ATO Notice), property ≤$800k regional QLD cap. Owner-occupier only (no investments).
  • Government Share: 40% on new homes like our packages (repay on sale/buyback; share gains/losses proportionally).
  • Benefits: Bridges the gap – e.g., $15k deposit on $769k Farriers Creek + $30k FHOG = $345k upfront save.
  • QLD Example: $749k Affinity Morayfield new build → Gov 40% ($300k) + your 2% ($15k) + FHOG = affordable SEQ entry (regional cap fits Moreton Bay/Gympie).
  • Process: Save 2% → Apply through participating lender (they submit to Housing Australia) → Purchase eligible home. Ongoing: Insure home, report income changes.

Official Help to Buy Guide (Housing Australia – October 2025)

Stacking Schemes: Real Savings on a $749k Affinity Morayfield Package

Combine QLD FHOG with federal schemes for maximum impact – here's how they work together on one of our popular packages (eligible new build under $750k cap).

SchemeSavingsHow It AppliesQLD FHOG$30,000Cash grant at settlement for new house & landStamp Duty ConcessionUp to $15,750Exemption on $550k+ packages5% Deposit Scheme$112,350 (no LMI)$37k deposit vs $149k; gov guaranteeSuper SaverUp to $50,000Tax-free super withdrawal for depositHelp to Buy$300,000 (40% equity)2% deposit only ($15k); share gains/lossesTotal Potential Savings$508,100Near-zero upfront for $749k home

Based on eligible buyers; actual amounts vary. We calculate yours free – no obligation.

Book Your FREE 15-Min Finance Consult

Our grant specialists (partners with RAMS & Pepper Money) will run your personalized numbers for Affinity, Bellagrove, or Farriers Creek – stacking FHOG with federal schemes for maximum savings.

Select Package for QuoteAffinity Morayfield ($749k)Bellagrove Gympie ($729k)Farriers Creek Burpengary ($769k)Book Free Consult – Save $30k+


Direct Contact: sales@houseandlandpackages.au |
Call: 1800 REAL ESTATE

Your Next Step to Homeownership

Our fixed-price packages qualify for every scheme listed – from FHOG to Help to Buy. Get your custom savings report and pre-approval today.

View All Packages from $729k


All information current as of November 15, 2025, based on QRO and firsthomebuyers.gov.au. Consult a financial advisor for personalized advice. House and Land Packages Queensland is not a financial advisor. © 2025 House and Land Packages Queensland.