The Northern Territory offers some of the most generous first home buyer incentives in Australia from full stamp duty exemptions for new builds, to grants worth up to $50,000. But understanding which ones truly support your long-term goals is key.

In this episode, Jack Elliott breaks down what’s available as of October 2025, including the House and Land Package Exemption, HomeGrown Territory Grants, the First Home Guarantee Scheme, and the HomeBuild Access shared equity program.

You’ll learn who’s eligible, how each incentive works, and how to think strategically about using these programs, so you can make decisions that build long-term flexibility and wealth, not just short-term savings.

In this episode:

🔑 Full stamp duty exemption for eligible house-and-land packages

🔑 $50,000 HomeGrown Territory Grant for new homes

🔑 First Home Guarantee Scheme — buy with 5% and pay no LMI

🔑 HomeBuild Access program — low-deposit and subsidised loan options

🔑 Strategy insights to help you focus on quality and long-term value

Timestamps

00:00 – Intro: NT incentives overview

00:50 – Stamp duty exemption explained

02:20 – Eligibility & key details

03:55 – Strategy: long-term thinking

05:05 – $50K HomeGrown Grant (new homes)

08:05 – Strategy: new vs established

09:20 – First Home Guarantee overview

10:45 – NT price caps & updates

12:10 – HomeBuild Access overview

13:35 – Low-deposit & subsidised loan options

17:30 – Strategy: shared equity pros & cons

18:25 – Wrap up & next steps

Unlock your Free Resources

House & Land Package Exemption (HLPE)

Home Grown Territory Grant - New Homes

First Home Guarantee Scheme

HomeBuild Access Shared Equity Scheme

Want to keep the conversation going?

👉 Join the First Home Unlocked Facebook Community

📅 Book a chat with Jack for tailored support

📱Follow Us on social media: Instagram, TikTok, Youtube

firsthomeunlocked.com.au

Victoria offers a range of incentives to help first home buyers get into the market sooner, from full stamp duty exemptions to a $10,000 grant for new homes and major updates to the First Home Guarantee Scheme.

In this episode, Jack Elliott breaks down what’s available as of October 2025, who’s eligible, and how to think strategically about each option. You’ll learn how the concessions and schemes work, what to watch out for with off-the-plan purchases, and why long-term asset quality matters more than short-term savings.

In this episode:

🔑 Stamp duty exemptions and concessions explained

🔑 The $10,000 First Home Owner Grant in Victoria

🔑 Updates to the First Home Guarantee and October 2025 changes

🔑 Risks and benefits of off-the-plan purchases

🔑 Why strategy and asset quality should guide your decisions

Timestamps

00:00 – Intro: VIC incentives overview

00:55 – Stamp duty explained

01:47 – Full exemption & concessional rates

03:12 – Eligibility criteria & income caps

04:20 – Example breakdowns (up to $800K)

05:18 – Strategy: asset quality over savings

06:42 – $10K First Home Owner Grant explained

07:38 – What types of properties qualify

09:10 – Strategy: new vs established homes

09:56 – First Home Guarantee overview

10:40 – VIC price cap & income cap updates (Oct 2025)

12:05 – Combining incentives & trade-offs

14:02 – Long-term strategy & recap

Unlock your Free Resources

First Home Buyer Duty Exemption or Concession

Off the Plan Stamp Duty Concession

Stamp Duty Calculator

First Home Owners Grant

First Home Guarantee Scheme

Victorian Homebuyer Fund - Shared Equity Scheme

Want to keep the conversation going?

👉 Join the First Home Unlocked Facebook Community

📅 Book a chat with Jack for tailored support

📱Follow Us on social media: Instagram, TikTok, Youtube

firsthomeunlocked.com.au

Tasmania offers a mix of incentives that can help first home buyers cut upfront costs and get into the market sooner. From full stamp duty exemptions on established homes, to a $10,000 First Home Owner Grant for new builds, the First Home Guarantee with higher price caps, and the MyHome shared equity scheme, there’s a lot to weigh up.

In this episode, Jack Elliott walks you through what’s available in Tasmania as of October 2025, who’s eligible, and the key benefits and trade-offs to consider. You’ll also learn why long-term strategy and asset quality should guide your decisions, not just chasing the biggest discount.

In this episode:

🔑 How Tasmania’s stamp duty exemptions work for established homes under $750K

🔑 The $10,000 First Home Owner Grant explained (and what types of homes qualify)

🔑 Updates to the First Home Guarantee in TAS, with higher price caps from October 2025

🔑 How the MyHome shared equity scheme works, and its key trade-offs

🔑 Why focusing on strategy and asset quality will set you up better than short-term savings

Timestamps

00:00 – Intro: TAS incentives overview

01:50 – Stamp duty exemption under $750K

03:04 – Strategy: stretch beyond the cap?

04:22 – Example breakdowns ($750K vs $800K)

04:47 – Extra: off-the-plan concession

04:59 – $10K First Home Owner Grant explained

06:42 – Strategy: new ≠ always better

06:26 – First Home Guarantee (new price caps)

08:00 – MyHome Shared Equity Scheme

11:22 – Living with shared equity (rules & limits)

12:44 – Strategy: pros & cons of shared equity

13:37 – Wrap up & next steps

Unlock your Free Resources

First Home Buyers of Established Homes Duty Relief

First Home Owners Grant

MyHome Shared Equity Scheme

MyHome Shared Equity Scheme Income Limits

First Home Guarantee Scheme

Want to keep the conversation going?

👉 Join the First Home Unlocked Facebook Community

📅 Book a chat with Jack for tailored support

📱Follow Us on social media: Instagram, TikTok, Youtube

firsthomeunlocked.com.au