Western Australia First Home Owner Grant: Your Guide to the $10,000 FHOG

Janu Dhayanathan

November 5, 2024

Discover how you can access Western Australia’s $10,000 First Home Owner Grant to help buy or build your first home. Learn the eligibility requirements, transaction types, and residence conditions to see if you qualify for this valuable support.

Are you a first-time homebuyer in Western Australia? The First Home Owner Grant (FHOG) offers $10,000 to help make your dream of homeownership more affordable. Whether you’re building a new home or purchasing off-the-plan, this one-off grant supports those looking to settle into their first principal residence. Here’s everything you need to know about eligibility, application requirements, and how to apply.

FHOG Eligibility Requirements

To qualify for the fhog, you must meet several requirements:

Age and Citizenship: At least one applicant must be 18 or older, and at least one must be an Australian citizen or permanent resident.
Ownership History: You (and any co-applicant) must not have owned residential property in Australia before 1 July 2000. If you owned property on or after this date but didn’t occupy it before 1 July 2004, you may still be eligible.
Transaction Type and Value: The property’s value must fall within specific thresholds based on location.
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‍Note: You can only receive one grant per transaction, regardless of the number of co-buyers.

Eligible Property Transactions

The FHOG is only available for specific types of transactions, such as:

New Home Purchase: Includes new builds or off-the-plan purchases.
Comprehensive Building Contract: A contract to build a new home.
Owner-Builders: For those building their own home, provided construction commenced on or after 1 July 2000.

Value Caps for Eligible Properties

The total value of the property must not exceed:

Location	Value Cap
South of the 26th parallel (including Perth)	$750,000
North of the 26th parallel	$1,000,000

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Important Total Value Requirements

Below is a breakdown of property types and the calculation method for the grant:

Total Value	Explanation
Established, new home, or off-the-plan	The greater of the consideration for the contract to purchase or the unencumbered value.
Contract to build	The total of the consideration for the contract to build and the unencumbered value of the land.
Owner-builder home	The unencumbered value of the home (i.e., total value of the home and land) at the date the transaction is completed.

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Residence Requirement

To retain the FHOG, you must live in the property as your principal place of residence for a continuous period of at least six months, beginning within 12 months of the purchase or construction completion. If unforeseen circumstances prevent this, you must inform the Commissioner in writing. Penalties may apply if these conditions aren’t met, including potential grant repayment.

Applying for the FHOG

Apply for the FHOG within 12 months of your eligible transaction’s completion. The application requirements vary depending on the transaction type. If you’re unsure about your eligibility or have specific questions, consult the official FHOG Lodgement Guide.

Get Help from a UNO Broker

Determining FHOG eligibility can be complex. Contact a UNO Broker for tailored guidance to ensure you maximise your benefits. They’ll help you navigate the process and provide insights based on your unique situation.

Source: Western Australia Government

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Western Australia First Home Owner Grant: Your Guide to the $10,000 FHOG

FHOG Eligibility Requirements

Eligible Property Transactions

Value Caps for Eligible Properties

Important Total Value Requirements

Residence Requirement

Applying for the FHOG

Get Help from a UNO Broker

Janu Dhayanathan

Try Plans by UNO

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