First home buyer guide
First Home Buyer Guide NT 2026-27
Complete first home buyer guide for Northern Territory. Stamp duty concessions, First Home Owner Grant, FHSS eligibility, and savings calculator for NT in 2026-27.
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, no price cap (contracts signed by 30 September 2027)
→ 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 2027.
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, with no build or purchase price cap. To qualify, the contract to build or purchase must be signed between 1 October 2024 and 30 September 2027 (the grants run a 36-month window). This is one of the largest first home owner grants in Australia. After the expiry date, check NT Treasury for any successor scheme.