If you're a first home buyer, there are some Government-funded grants and schemes that are offered by People’s Choice, which may differ depending on what state you live in.

It’s important to note, each Government scheme will be subject to limitations and eligibility criteria that may change – so it’s best to do your own research when applying.

This page provides information about schemes that are available in New South Wales. If you’re interested in schemes offered by People’s Choice for another state, or national schemes, you can visit our dedicated pages by clicking below.

New South Wales First Home Owner Grant (FHOG)

The First Home Owner Grant (FHOG) is a cash grant designed to help people who have never owned property buy their first home. Every state and territory offers their own version of the FHOG.

People’s Choice is an Approved Agent for the First Home Owner Grant (FHOG) in New South Wales, which gives eligible first home buyers a grant of up to $10,000.

With this grant, your first new home can be a house, townhouse, apartment, unit or similar that is newly built, purchased off the plan or substantially renovated.

There are a number of additional criteria including the value of the property, which can be found on the Revenue NSW website

If you’re interested in applying for this grant, please use our enquiry form and our friendly team will be in touch to discuss your options.  

New South Wales First Home Buyers Assistance Scheme

If you’re a first home buyer in NSW, you may be eligible for a full exemption or a reduced rate of transfer duty under the First Home Buyers Assistance Scheme.

If you are buying a new or existing home, or vacant land on which you intend to build a home, you may be eligible for either a full exemption or a reduced rate of transfer duty. 

The criteria and the requirements for the value of the property are available on the Revenue NSW website

If you’re interested in applying for this grant, you can do so via the Revenue NSW website.


National first home buyer schemes

People’s Choice is a participating lender offering the Home Guarantee Scheme (HGS), which is an Australian Government initiative to support eligible home buyers to buy a home sooner. The Scheme is administered by Housing Australia. 

The Home Guarantee Scheme includes:


First Home Guarantee (FHBG)

The purpose of the First Home Guarantee is to support eligible home buyers to enter the housing market sooner. It does this by allowing Housing Australia to issue 35,000 guarantees each financial year for eligible loans to home buyers with a deposit of between 5 and 20% of the property value.

Please visit our dedicated page for more details about all of the HGS Guarantees and visit the Housing Australia website for more information and eligibility criteria. 


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