Every scheme, one number
First Home Buyer Calculator - NT
A Darwin first home buyer on a $550,000 new house-and-land package comes out about $19,100 AHEAD at settlement: the $50,000 HomeGrown Territory Grant exceeds the 5% deposit plus costs, and the package pays zero duty under the HLPE. The biggest first home stack in Australia - with deadlines.
- Rates verified
- 2026-08-03
- Source
- Territory Revenue Office
- Scheme cap
- $750,000
Your purchase
Total cash to buy
$0
The grant exceeds your 5% deposit and costs by $19,100 at this price.
- Deposit (5%)
- $27,500
- Transfer duty
- $0
- Duty concession applied
- saves $27,225
- Conveyancing, inspections, loan setup
- $3,400
- First Home Owner Grant
- -$50,000
- LMI avoided via the scheme
- saves ~$17,765
Want duty on its own, across investor, owner-occupier and first-home scales? That's the full NT transfer duty calculator.
Scheme caps per firsthomebuyers.gov.au; duty and grants from Territory Revenue Office (source). Eligibility criteria apply to every scheme - confirm before committing. General information only.
Every benefit a Territory first home buyer can claim in 2026
Status chips update live against the price, location and build type set above.
HomeGrown Territory Grant
$50,000
Australia's largest first home grant: $50,000 for building or buying a new home, no price cap, contracts 1 Oct 2024 to 30 Sep 2027. Live in the home at least 12 months. The old $10,000 established-home grant closed Sep 2025.
Official sourceHouse and Land Package Exemption
Zero duty to Jun 2027
No stamp duty on a new house-and-land package bought from a building contractor in a single transaction - no price cap, no means test, contracts to 30 June 2027. Note: NOT extended when the grant was - the duty deadline lands 3 months earlier.
Official sourceHomeBuild Access loans
Low deposit, NT-backed
NT Government low-deposit loans (via People First Bank) for new builds and land-and-build only: price caps $475,000 up to 2 bedrooms, $550,000 for 3 or more. Includes a subsidised-interest-rate product and an off-the-plan deposit loan.
Official source5% Deposit Scheme
5% deposit, no LMI
Buy with 5% down and the government guarantees the rest - no lenders mortgage insurance, no income cap, unlimited places. Cap here: $750,000.
Official sourceHelp to Buy
Up to 40% shared equity
The government co-buys up to 40% of a new home (30% existing) with a 2% deposit. Income caps $103,000 single / $165,000 couple; 10,000 places a year.
Official sourceFirst Home Super Saver
Up to $50,000 from super
Release up to $15,000 of voluntary super contributions a year ($50,000 total per person, plus earnings) for the deposit, taxed at your marginal rate less a 30% offset.
Official sourceHow the Territory first home buyer stack works
The Territory runs the most aggressive first home buyer stack in the country, and it is worth stating plainly: a $550,000 new house-and-land package attracts a $50,000 grant, zero stamp duty, and 5% entry under the federal scheme - which means the grant can exceed the deposit and costs combined, putting the buyer cash-ahead at settlement. No price cap applies to either the grant or the duty exemption.
The catch is the calendar. The HomeGrown Territory Grant runs for contracts to 30 September 2027, but the House and Land Package Exemption was not extended with it and ends 30 June 2027 - after that, the same package pays full duty (4.95% flat at typical prices) while keeping the grant. Established homes get neither: no grant since September 2025, no duty relief at all. The NT also has no land tax if the home ever becomes an investment.
The deposit is only the entry ticket - if the home ever becomes an investment property, the new-build-vs-established choice also decides its tax treatment under the 2026 negative gearing reform, and the repayment calculator shows what the loan itself costs from day one.
Frequently asked questions
How much is the first home buyer grant in the NT?
$50,000 - the HomeGrown Territory Grant, the largest first home grant in Australia. It applies to building or buying a new home (never occupied or sold, including off-the-plan, owner-builds and fixed transportables) with no price cap, for contracts signed between 1 October 2024 and 30 September 2027. You must live in the home for at least 12 months.
Do first home buyers pay stamp duty in the NT?
Not on a new house-and-land package - the House and Land Package Exemption zeroes duty with no price cap and no means test for contracts to 30 June 2027, provided one buyer moves in within 12 months. Established homes get no duty relief: a $550,000 established purchase pays $27,225. Note the exemption deadline was NOT extended when the grant was - it ends 30 June 2027, three months before the grant window.
Can the grant really exceed my deposit and costs?
Yes. On a $550,000 new house-and-land package under the 5% Deposit Scheme, the sums are: $27,500 deposit plus roughly $3,400 in costs and zero duty - against a $50,000 grant. The grant is paid at settlement through your conveyancer, so the stack can put a Territory buyer ahead at settlement, something possible nowhere else in Australia.
What is the 5% deposit scheme cap in the NT?
$750,000 for Darwin and $600,000 for the rest of the Territory, per the split that took effect 1 July 2026. Help to Buy uses a flat $600,000 cap territory-wide. Both are price caps only - the 5% Deposit Scheme has had no income caps since 1 October 2025.
What if I already own a home in the NT?
The FreshStart New Home Grant pays $30,000 to previous and existing home owners who build or buy a new home - same contract deadline of 30 September 2027. It cannot be combined with the HomeGrown Territory Grant, and neither grant applies to established purchases. The old $10,000 established-home FHB grant closed for contracts after 30 September 2025.