First Home Buyers in Perth: Grants, 5% Deposits & New Homes
We help first home buyers across Perth and Peel work out what they can afford, which grants and schemes they qualify for, and how to build a new home without the guesswork.
Everything you need to buy your first home, in one place
Start wherever you are. Most of our clients begin with what they can afford, then choose where to buy and which home to build.
Where to Buy
Growth corridors across Perth and Peel where first home buyers can still build new, with land and travel times compared.
House & Land Packages
How we match the right block with the right builder, check the contract and keep the total inside the grant and scheme caps.
Home Designs
Browse single and double storey designs for 6m to 15m lots, with bedrooms, bathrooms and lot width at a glance.
Finance & Grants
The WA grant, duty concessions, the 5% Deposit Scheme, Keystart, Help to Buy and super savings explained in plain English.
The Building Journey
Every step from deposit to keys: finance approval, contracts, site start, progress payments and handover.
First Home Buyer FAQs
Straight answers on eligibility, deposits, timing and what happens if something changes during your build.
What you could be entitled to in WA
Most of our first home buyers combine two or three of these. We work out which ones apply to you and how they stack together. Last updated 3 November 2026.
| Assistance | What eligible buyers can access | Key conditions |
|---|---|---|
| WA First Home Owner Grant | $10,000 towards a newly built home. No income or assets test. | For contracts from 7 May 2026, the total value of the land and build must be $800,000 or less south of the 26th parallel, which covers all of Perth and Peel. |
| Transfer duty concession on vacant land | No transfer duty on land valued up to $450,000, and reduced duty up to $550,000. | Applies to eligible first home land purchases from 7 May 2026. |
| Transfer duty concession on a home | No transfer duty on a home valued up to $600,000, and reduced duty up to $800,000. | Applies when you buy a completed new home, or house and land on one contract, from 7 May 2026. |
| Australian Government 5% Deposit Scheme | Buy or build with a 5% deposit and no lenders mortgage insurance. Eligible single parents and legal guardians may need only 2%. | No income caps. Lender approval required. The price cap is $850,000 in Perth and $600,000 in other WA areas, so check the postcode, especially in Peel. |
| Keystart | Low deposit home loans from 2% with no lenders mortgage insurance. | Income limits of $155,000 for singles and $228,000 for couples and families, and a purchase price limit of $860,000. Keystart lending criteria apply. |
| Help to Buy | A government equity contribution of up to 40% of a new home, so you borrow less. | The government owns a share of the home. It is not a cash grant. Income limits are $103,000 for individuals and $165,000 for joint applicants and single parents. Cannot be combined with the 5% Deposit Scheme. |
| First Home Super Saver Scheme | Release voluntary super contributions of up to $15,000 a year and $50,000 in total, plus associated earnings. | Uses your own savings, with potential tax benefits. Compulsory employer contributions cannot be withdrawn. |
General information only, based on WA Government, Housing Australia, Keystart and ATO guidelines as at the date above. Eligibility depends on your circumstances, and the lender or agency makes the final decision.
A first home in Eglinton for $699,500
A real house and land package on a corner lot in Eglinton, currently under construction for one of our first home buyers. Here is how the numbers came together.
| Eglinton house and land, corner lot | Amount |
|---|---|
| Total package price | $699,500 |
| Land component | $350,000 |
| WA First Home Owner Grant | $10,000 |
| Transfer duty on the land | Nil |
| Deposit at 20% (80% loan) | $139,900 |
| Approx. repayment on an 80% loan at 6.15% variable, 30 years | $3,410 / month |
| Deposit with the 5% Deposit Scheme, if eligible | $34,975 |
Repayment is an estimate of principal and interest only and excludes fees. Your own figures depend on your lender, rate and eligibility.
On your side from first call to handover
Independent advice
We work for you, not a single builder or estate. We compare packages across our network and tell you plainly when something doesn't stack up.
Local Perth and Peel knowledge
We know the estates, the builders and the price points that fit inside the grant and scheme caps, so you don't waste time on homes you can't use them for.
With you until the keys
From borrowing power and grant paperwork to contract checks and progress payments, we stay involved until you're standing in your new home.
What our first home buyers say
First home buyer questions
Am I eligible for the $10,000 First Home Owner Grant?
How much deposit do I need to build?
Can I use the grant as my deposit?
Do you only help buyers in Perth and Peel?
How long does it take to build a new home?
Find out what you can afford
Talk to a first home specialist about your borrowing power, the grants you qualify for and the homes that fit your budget. No cost and no obligation.