New South Wales has a range of incentives designed to help first home buyers reduce upfront costs and enter the market sooner. From stamp duty concessions to the $10,000 First Home Owner Grant, and the First Home Guarantee Scheme with rising price caps, there’s a lot to understand.

In this episode, Jack Elliott walks you through what’s available in NSW as of September 2025, who’s eligible, and the key benefits and trade-offs to keep in mind. You’ll learn how each incentive works, and why your property strategy and asset quality matter more than simply chasing the biggest discount.

In this episode:

🔑 How NSW stamp duty concessions and exemptions work (and where they phase out)

🔑 The $10,000 First Home Owner Grant explained

🔑 Updates to the First Home Guarantee in NSW, price caps and income caps

🔑 Why strategy and asset quality matter more than short-term savings

Timestamps

00:00 – What’s available for first home buyers in NSW

01:34 – Stamp duty concessions explained (with examples)

05:14 – The $10,000 First Home Owner Grant

07:33 – The First Home Guarantee Scheme and October 2025 changes

09:11 – Recap of NSW incentives and key takeaways

09:42 – Strategy, resources, and next steps

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NSW First Home Buyer Resource

First Home Buyers Assistance Scheme

NSW Home Buyer Assistance Finder

NSW Stamp Duty Transfer Calculator

First Home Owner (New Homes) Grant

First Home Guarantee Scheme

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Queensland has a range of incentives to help first home buyers enter the market sooner and reduce upfront costs. From stamp duty concessions to a $30,000 grant for new homes, and a new shared equity scheme launching soon, there’s a lot to navigate.

In this episode, Jack Elliott walks you through what’s available as of September 2025, who’s eligible, and the key benefits and trade-offs to consider. You’ll learn how each incentive works, and why your long-term goals, strategy and asset quality should guide your decision, not just chasing the biggest discount.

In this episode:

🔑 Stamp duty concessions and how they work in QLD

🔑 The $30,000 First Home Owner Grant explained

🔑 Updates to the First Home Guarantee and upcoming price cap changes

🔑 The new “Boost to Buy” shared equity scheme and what it means for buyers

🔑 Why your long-term strategy matters more than the short-term savings

Timestamps

00:00 – Intro: what’s covered for QLD first home buyers

01:05 – What’s available right now in QLD (Sept 2025)

01:27 – Stamp duty concessions overview and shared eligibility

02:45 – First Home Concession for existing homes: thresholds and savings

03:49 – Examples: $700k, $720k, $750k stamp duty comparisons

04:40 – Home Concession over $800k: how it works + examples

05:46 – New home concession: full exemption for brand new or substantially renovated

07:04 – Vacant land concession: rules and timelines

08:12 – $30,000 First Home Owner Grant: who qualifies and what counts as new

08:48 – FHOG eligibility criteria and key notes

09:27 – Grant + strategy: avoid chasing new builds for the wrong reasons

10:18 – First Home Guarantee overview: 5% deposit, no LMI

11:07 – QLD price caps and income caps now and from Oct 2025

12:14 – “Boost to Buy” shared equity scheme: what it is

12:48 – Key features: government share, deposit, price cap, income caps

14:48 – Recap of all QLD supports

15:33 – How to get personalised help and links

Unlock your Free Resources

QLD First Home Buyer Resource

Transfer Duty Calculator QLD

First Home Concession

First Home (New Home) Concession

First Home Vacant Land Concession

Home Concession

First Home Owner Grant

First Home Guarantee Scheme

Boost To Buy - Shared Equity Scheme

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Shared equity schemes are becoming more common across Australia, offering first home buyers the chance to purchase with a smaller deposit and lower repayments. But what do they actually mean for your long-term wealth and ownership?

In this episode, Jack Elliott and Chris Bates explain how shared equity works, where the government or another partner contributes a percentage of the purchase, and what that really means for buyers over time. They break down the benefits, risks, and key trade-offs compared to alternatives like the First Home Guarantee.

You’ll learn about the obligations while you’re in a scheme, the exit pathways to remove government ownership, and who this option may suit best.

This episode gives a general overview of shared equity. Each state has its own version (and not every state offers one), so over the coming weeks we’ll dive deeper into the state-based schemes to help you understand what applies where you’re buying.

In this episode:

🔑 What shared equity schemes are and how they work

🔑 The benefits, risks, and common traps to avoid

🔑 Your obligations while using a shared equity scheme

🔑 Exit pathways to remove government ownership

🔑 How shared equity compares to the First Home Guarantee and other options

Timestamps

00:00 – Introduction: What are shared equity schemes?

01:53 – What to expect in this episode

03:17 – Before you buy: should you use shared equity?

06:18 – Why choose shared equity instead of the First Home Guarantee?

08:04 – Living with shared equity: rules and restrictions

09:55 – Ongoing reviews, renovation approvals, and refinancing limits

11:05 – Removing shared equity: how do you buy back or exit?

14:18 – The impact on equity and upgrading in the future

15:57 – Final thoughts: is shared equity worth it?

Unlock your Free Resources

Shared Equity Scheme Resource

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📅 Book a chat with Jack for tailored support

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