Combine your first
home incentives.
Last updated 14 June 2026 · figures current as at June 2026, confirm with each authority.
In Western Australia in 2026, an eligible first-home buyer can stack the $10,000 First Home Owner Grant, nil transfer duty under the current $500,000 threshold, and one low-deposit pathway (a 5% deposit via the First Home Guarantee or a 2% deposit via Keystart) on the same new build. The grant and the duty concession layer on top of whichever deposit scheme you choose, lowering upfront cash sharply.
The combine-or-not table.
| Measure A | Measure B | Combine? | Note |
|---|---|---|---|
| First Home Owner Grant | Stamp duty concession | Yes | Both apply to the same eligible new build |
| First Home Owner Grant | First Home Guarantee | Yes | Grant offsets the 5% deposit |
| First Home Owner Grant | Keystart | Yes | Grant offsets the 2% deposit |
| Stamp duty concession | First Home Guarantee | Yes | Duty saving plus low deposit |
| First Home Guarantee | Keystart | No | Choose one deposit pathway |
| First Home Guarantee | Help to Buy | No | Choose one federal scheme |
The three deposit pathways are mutually exclusive. Confirm current rules with RevenueWA, Housing Australia and Keystart.
Stack them in this order.
- Confirm you are a genuine first-home buyer and an owner-occupier, the gate for every measure below.
- Choose a new build under the relevant caps. The Property Plug catalogue is all new builds, so every design keeps the grant in play.
- Claim the $10,000 First Home Owner Grant and apply it toward your deposit or settlement costs.
- Apply the WA transfer duty concession (under the current rate, nil under $500,000 for a built home and an exemption to $350,000 on vacant land).
- Pick one deposit pathway: a 5% deposit with no LMI via the First Home Guarantee, or a 2% deposit via Keystart, or shared equity via Help to Buy.
- Run the combined numbers through the first home incentive estimator and confirm everything with the relevant authority before you sign.
A real worked example from our catalogue.
Our most affordable new-home design starts around $309,218 for the build. Paired with Atwell, where siteworks start at $20,636, the home plus siteworks lands from about $329,854 before land. With the built home under the current $500,000 nil-duty threshold, the buyer adds the $10,000 grant, pays nil stamp duty, and uses a 5% deposit with no LMI.
| Item | Amount | Note |
|---|---|---|
| Design build price (from) | $309,218 | Most affordable panel design |
| Siteworks (Atwell) | $20,636 | Real figure from our data |
| Home + siteworks (from) | $329,854 | Before land, the landed build cost |
| First Home Owner Grant | +$10,000 | Toward deposit or costs |
| Transfer duty | $0 | Nil under the current $500,000 threshold (built home) |
| Deposit pathway | 5% or 2%, no LMI | First Home Guarantee or Keystart |
Worked example for illustration only, not a quote or an offer of finance. Land is purchased separately. This is general information only and does not take into account your objectives, financial situation or needs. It is not credit assistance or a credit quote. Consider whether it is right for you and seek advice. Finance is arranged through Central Lending Solutions, the licensed credit partner The Property Plug works with (Australian Credit Licence or credit representative number [TBC]).
Because The Property Plug only sells new builds, all 46 designs keep the grant in play, and we publish the real siteworks for 102 suburbs so the landed number is honest before you stack incentives. We coordinate the grant, the duty concession and the finance in one place, so nothing falls between two desks. We are paid by the builder, never by you.
Can I combine the FHOG, stamp duty concession and a deposit scheme?
Yes. The $10,000 First Home Owner Grant, the WA transfer duty concession and one deposit pathway (First Home Guarantee or Keystart) are separate measures that can all apply to the same eligible new build. You choose one deposit scheme, not both. Confirm current rules with each authority.
Which incentives cannot be combined?
The deposit pathways are mutually exclusive. The First Home Guarantee, Keystart and Help to Buy are three different ways to handle your deposit and loan, so you use one of them. The grant and the stamp duty concession sit alongside whichever pathway you pick.
How much can I save by stacking everything in WA?
It depends on your price and pathway, but on a new build under the current $500,000 nil-duty threshold a first-home buyer can combine $10,000 from the grant, nil stamp duty, and a deposit as low as 2% to 5% with no LMI. That can mean tens of thousands less upfront than a standard 20% deposit purchase. An announced increase to a $600,000 nil threshold is not yet in effect. Verify every figure before relying on it.
Does The Property Plug charge to help me stack incentives?
No. We are paid by the builder, never by you. We help you check what applies, line up an eligible new build and coordinate the finance in-house, at no cost to you.
Where do I confirm the current rules?
Confirm the grant and stamp duty with RevenueWA, the First Home Guarantee and Help to Buy with Housing Australia, and Keystart directly. Schemes change at budget time, so treat any figure on this page as current as at June 2026 and verify before you sign.
Stack every dollar you're owed
Tell us your suburb and budget. We confirm which incentives you can combine, run the numbers, and match you to an eligible new build. Free to you, no obligation.