Is there a $20,000 regional FHOG in Victoria for 2026?

The Regional First Home Buyer Boost increased the FHOG to $20,000 for new builds in regional Victoria. Check the State Revenue Office Victoria website for the current cut-off — the program has been extended multiple times.

Can I claim the Victorian FHOG on an off-the-plan apartment?

Yes, provided the dutiable value is $750,000 or less. Off-the-plan concessions are calculated against the dutiable value (typically construction-phase land + works), not the final contract price.

What if my deposit is below 20%?

You'll usually need to pay Lenders Mortgage Insurance, but you can still claim the FHOG and stamp duty exemption. Check whether the First Home Guarantee or Family Home Guarantee schemes can waive LMI on your purchase.

Do I need to live in the home?

Yes. At least one applicant must occupy the property as their principal place of residence for a continuous 12 months, beginning within 12 months of settlement.

First Home Owner Grant Victoria 2026

Victorian First Home Owner Grant 2026: $10,000 on new homes up to $750k plus $0 stamp duty under $600k. Eligibility, regional bonus, and worked examples.