After 1 July 2026 — What First Home Buyer Grants Are Still Available in Queensland?

Published: June 2026

If you or someone you know is thinking about buying a first home, this article is worth reading carefully.

One important date: 30 June 2026.

Queensland's First Home Owner Grant (FHOG) is currently $30,000, available to eligible first home buyers purchasing a brand new property — including newly built houses, townhouses, and House & Land packages.

But this amount only lasts until 30 June.

From 1 July 2026, the FHOG drops back to $15,000. That's $15,000 less.

This is not a rumour. It is confirmed government policy.

What's still available after 1 July?

Many people assume that once the higher FHOG ends, first home buyer incentives disappear entirely. That's not the case.

From 1 July 2026, Queensland first home buyers still keep the following:

Full stamp duty exemption on new homes — no price cap If you're purchasing a brand new property, stamp duty remains fully waived. There is no upper price limit on this exemption. On a $650,000 new home, that's approximately $12,850 saved. This benefit continues after 1 July.

FHOG of $15,000 still available The amount is halved, but the grant itself is not cancelled. Eligible first home buyers can still apply.

Eligibility conditions remain unchanged

• Australian citizen or permanent resident
• Never previously owned residential property anywhere in Australia
• Purchasing a brand new dwelling (not an established property)
• Must occupy the property as your principal place of residence for at least 6 continuous months within the first 12 months

How much time is left in the window?

At the time of writing, there are fewer than three weeks until 30 June.

If you are already looking at House & Land packages or considering a new build, now is the time to confirm your contract timeline.

One important detail: the FHOG is assessed based on the date your unconditional contract is signed, not your settlement date. The contract must be signed on or before 30 June to lock in $30,000.

The numbers side by side

That $15,000 difference could cover a full year of loan repayments, or most of your initial fit-out costs.

Do House & Land packages still make sense right now?

This is one of the most common questions we're hearing at the moment.

Honestly, for pure investors dealing with mortgage rates close to 7%, the cashflow pressure is real. But for owner-occupier first home buyers, the calculation looks different:

• You stop paying someone else's mortgage through rent
• Stamp duty is fully waived
• The $30,000 grant directly reduces your upfront costs
• New builds carry lower maintenance costs in the first few years
• Fixed-price construction contracts protect you from cost blowouts

If you were already planning to buy a home to live in, acting before 30 June puts an extra $15,000 in your pocket compared to waiting.

Not sure if you qualify?

Get in touch for a free, no-obligation conversation if you want to know:

• Whether you meet the first home buyer criteria
• What House & Land options are currently available in Logan, Ipswich, Springfield, and Ripley
• Whether your timeline is realistic before 30 June
• How new builds compare to established homes on total cost

Want to know if you qualify?

✔ Free eligibility check

✔ Current Logan & Ipswich House & Land stock

✔ Indicative repayments and borrowing capacity

✔ Timeline assessment before 30 June

📞 0430 220 393

Call or email us: 1300 880 824 | info@loyalkeeper.com.au

Information in this article is based on Queensland government policy as of June 2026. Grant conditions and eligibility should be confirmed with the Queensland Revenue Office or your mortgage broker before making any decisions.