- Perth, Australia
Government Grants
Perth First Home Buyer Schemes
Government Grants That Reduce Your Build Cost
Identify eligible grants, understand requirements and maximise available incentives to reduce your home build expense.
Government grants and schemes are designed to help first-home buyers, young families and investors move into home ownership. Yet many eligible buyers do not know these programs exist, do not understand how to access them, or fail to structure their build to maximise available support.
At The Property Plug, grant assessment is woven into every client engagement. We identify what you are eligible for, guide you through applications and help structure your build to maximise available support — treating grants not as an afterthought but as a core part of your finance strategy.
Why Government Support Matters
Government schemes can significantly reduce your build costs or deposit requirements. A grant of $10,000 to $20,000 can be the difference between buying now or waiting years to save.
Yet these programs often go underutilised because eligibility is unclear, application processes are complex and buyers do not know how to align their build with scheme requirements.
Benefits
- Claim the $10,000 First Home Owner Grant if you're building. Many buyers don't realize they qualify – we make sure you do and help with the application.
- Understand stamp duty breaks for first home buyers. In WA, significant savings are available, but they come with rules – we'll explain what applies to you.
- Check eligibility for the First Home Buyers' Assistance Account (up to $2,000 for eligible costs).
- Explore the 5% Deposit Scheme if traditional lending falls short. It's a government guarantee that can waive mortgage insurance, and we'll assess if you qualify.
- Maximize your total support. We layer available grants and concessions so you're not leaving money on the table.
- Understand the rules and restrictions. Some grants come with conditions (can't rent the property, property value caps, owner-occupied requirements) – we explain what you're agreeing to.
Have a Question?
Government Support We Help With
Keystart Home Loans (WA)
Keystart offers low-deposit loans with interest rates below market rate, helping buyers who cannot access traditional bank lending. We guide you through the Keystart application process and structure your build pathway around Keystart finance.
Home Builder Grants and Rebates
Some states offer grants or rebates for new home construction, particularly in designated growth areas. We identify if you are eligible and help you claim these benefits.
Energy Efficiency Rebates
Building to higher energy efficiency standards may qualify you for grants or rebates. We help identify and claim these opportunities.
Regional and Growth Area Programs
Programs targeting regional and growth area purchases may offer additional incentives. We assess your location eligibility and help maximise available support.
First Home Buyer Schemes (WA & Victoria)
Western Australia and Victoria offer support for eligible first home buyers. WA includes stamp duty exemptions and shared equity schemes. Victoria has complementary programs. These may include grants, stamp duty relief or shared equity schemes. We help you understand what you qualify for and how to structure your purchase around these benefits.
What We Manage
Unlike traditional brokers or builders, we connect the entire journey.
Eligibility Assessment
We review your situation against current grant programs to identify what you qualify for.
Timing and Coordination
Grants have specific timing requirements. We coordinate your build timeline to align with application windows and approval deadlines.
Application Support
We guide you through application requirements, documentation and the approval process.
Requirements Management
Many grants have conditions -- like purchasing in designated areas, meeting energy standards or completing within timeframes. We ensure your build pathway meets these requirements.
Claim Lodgement
We help prepare and lodge grant claims once your build meets all requirements.
Payment Tracking
We track grant payment timelines to ensure funds arrive as expected.
Who Qualifies for Support
Regional Property Buyers
Additional schemes apply to purchases in regional or designated growth areas.
First Home Buyers
Primary eligibility for most first home buyer schemes and grants.
Young Families
Some schemes target families with dependent children, offering additional support.
Investment Property Buyers
Some grants and schemes support investor purchases in designated growth areas.
Low-Income Buyers
Programs exist for buyers below certain income thresholds.
The Government Grant Process
Eligibility Assessment
We review current grant programs and assess what you are eligible for based on your situation.
Explain Your Options
We explain each eligible scheme -- what it offers, any conditions or restrictions, and how it affects your timeline.
Application Preparation
We help prepare and gather documentation required for grant applications.
Lodgement and Tracking
We submit applications and track progress through the approval process.
Compliance Management
We ensure your build meets all grant requirements -- location, timing, specifications, energy standards.
Claim and Payment
Once your build is complete and eligible, we help lodge the final claim and track grant payment.
Don't Leave Money on the Table
Many eligible buyers do not claim available grants because they do not know they exist or find the application process confusing. This costs them thousands in forgone support.
By including grant assessment as part of your home ownership strategy, we ensure you capture every dollar of support you are entitled to.
Government Grants FAQs
WA offers stamp duty exemption and shared equity schemes for eligible first home buyers. Victoria has similar programs. Grants typically range from $5,000-$20,000 depending on location and circumstances. We assess your eligibility and explain available options.
Keystart interest rates are typically 1-2% lower than standard bank rates. The exact saving depends on your circumstances and current market conditions. We calculate your potential savings as part of the finance assessment.
Many grants target designated growth areas or regions. Some have no location restriction. We identify which grants apply to your preferred locations and help you understand any area restrictions.
Timing depends on the specific grant. Some require application before you settle on land, others after construction starts. We coordinate grant timelines with your land purchase to ensure everything aligns properly.
If you fail to meet requirements, you may lose the grant or have to repay it. This is rare if we manage the process correctly. We track compliance carefully to ensure you meet all conditions.
Ready to Explore Your Grant Options?
Book your free strategy call. We’ll assess your eligibility, explain available schemes and show how grants can reduce your build cost.