First home buyer guide
First Home Buyer Guide NT 2025-26
Complete first home buyer guide for Northern Territory. Stamp duty concessions, First Home Owner Grant, FHSS eligibility, and savings calculator for NT in 2025-26.
Stamp duty concessions FHOG + FHSS
What first home buyers get in NT
→ No specific first home buyer stamp duty exemption
→ $50,000 HomeGrown First Home Owner Grant for new homes (contracts signed by 30 September 2026)
→ Territory Home Owner Discount provides stamp duty reduction for owner-occupiers (not FHB-specific)
→ Home Renovation Grant may also be available for eligible properties
→ FHSS scheme available to boost your deposit savings through super
Stamp duty — first home buyer vs standard
See how much you could save on stamp duty as a first home buyer in Northern Territory.
| Property price | Standard duty | FHB duty | You save |
|---|---|---|---|
| $400k | $16,514.31 | $16,514.31 | — |
| $500k | $23,928.60 | $23,928.60 | — |
| $600k | $29,700.00 | $29,700.00 | — |
| $700k | $34,650.00 | $34,650.00 | — |
| $800k | $39,600.00 | $39,600.00 | — |
| $900k | $44,550.00 | $44,550.00 | — |
| $1M | $49,500.00 | $49,500.00 | — |
Related tools
FAQ
Does the Northern Territory have stamp duty exemptions for first home buyers?
The Northern Territory does not offer a specific first home buyer stamp duty exemption like NSW or VIC. However, the Territory Home Owner Discount provides a stamp duty reduction for all owner-occupiers (not just first home buyers). First home buyers can also access the $50,000 HomeGrown FHOG for new homes with contracts signed by 30 September 2026.
What is the Territory Home Owner Discount in the NT?
The Territory Home Owner Discount is a stamp duty concession available to all owner-occupiers in the NT, not just first home buyers. It provides a discount on stamp duty when you buy a home to live in. This can be combined with the HomeGrown FHOG if you are a first home buyer purchasing a new home.
How much is the NT First Home Owner Grant and when does it expire?
Under the HomeGrown scheme, the NT First Home Owner Grant is $50,000 for eligible new homes valued up to $750,000. To qualify, the contract to build or purchase must be signed by 30 September 2026. This is one of the largest first home owner grants in Australia. After the expiry date, check NT Treasury for any successor scheme.