Do I get $10,000 FHOG and stamp duty exemption together in NSW?

Yes — they're separate schemes administered by Revenue NSW and you can claim both on the same purchase, provided the home is newly built (for the FHOG) and under the relevant value caps. Combined benefit on a $720,000 new build is typically $37,000+.

Can I get the NSW FHOG on an established home?

No. The $10,000 FHOG is restricted to newly built or substantially renovated homes up to $750,000. Established home buyers can still claim the stamp duty first home buyer exemption (up to $800,000) and concession (up to $1,000,000), but not the cash grant.

What if my partner has owned a home before?

Both applicants — and either applicant's spouse, even if not on the title — must meet the eligibility rules. If your partner has previously owned a home or received a first home grant, the application will be rejected.

When is the NSW FHOG paid?

If you apply through an approved lender, the $10,000 is paid directly to your conveyancer at settlement. If you apply directly to Revenue NSW after settlement, payment usually takes 10–20 business days from approval.

First Home Owner Grant NSW 2026

Full guide to the NSW First Home Owner Grant: $10,000 on new homes up to $750k, $0 stamp duty under $800k, and eligibility for the 2026 financial year.