What is the NSW first home buyer stamp duty exemption threshold?

Under current FHBAS settings referenced on this site, full stamp duty exemption can apply at or below $800,000 dutiable value for eligible first home buyers, with a partial concession through to just under $1 million. Confirm the exact band and eligibility on Revenue NSW before you rely on any figure.

Does NSW still offer a First Home Owner Grant?

NSW offers a First Home Owner Grant for eligible new homes under published price caps. Established homes generally do not attract FHOG. Always verify amount and caps on the Revenue NSW grant page — budgets change.

What are the NSW First Home Guarantee (5%) price caps?

Published FHBG caps used on this hub: Sydney & regional centres $1,500,000; Other NSW $800,000. Confirm live caps on Housing Australia / firsthomebuyers.gov.au.

Do you have a Sydney branch for NSW buyers?

Azure Home Loans serves NSW borrowers remotely across Australia. Contact is by phone, WhatsApp, email, and video. We do not invent a street address for SEO.

Is this personal credit advice?

No. This page is general information only. Credit assistance tailored to you happens after a proper conversation and assessment. Scheme eligibility is decided by the relevant government body and lender policy.

First home buyer · NSW

First home buyer guide for NSW

Map deposit, stamp duty, grants, and the federal 5% deposit scheme for a New South Wales purchase — then confirm every number on official Revenue NSW and Housing Australia pages before you exchange.

Speak with a broker FHB calculator hub Call 0400 77 77 55

NSW quick reference

Illustrative cheat sheet only — verify on official calculators before exchange.

Stamp duty — full exemption: $0 duty ≤ $800k; New or existing home (FHBAS, from Jul 2023)
Stamp duty — partial: $800,001 – $999,999; Concessional rate — not full $0
Vacant land exemption: ≤ $350,000; Build within required timeframe
FHOG (new homes): $10,000; New build ≤ $600k (verify Revenue NSW)
FHBG cap — Sydney/metro: $1,500,000; Illawarra, Newcastle, Lake Macquarie
FHBG cap — other NSW: $800,000; Regional & other areas
Cooling-off (private sale): 5 business days; Auction = unconditional
Pre-approval validity: ~90 days; Reconfirm before offer

Who this helps

Buyers comparing NSW stamp duty exemption vs partial concession bands
Households checking whether an FHBG 5% path fits Sydney / Illawarra / Newcastle caps
Purchasers modelling funds to complete beyond the deposit (legals, LMI, buffers)
Remote NSW buyers who want broker support by phone, video, or WhatsApp

How we work the file

Step 1
Confirm state + federal rules
Check duty and grant pages for your state, then FHBG caps on firsthomebuyers.gov.au for your property area.
Step 2
Model funds to complete
Deposit, duty, grants, LMI (if any), and settlement buffers in one ledger — estimates only until your scenario is assessed.
Step 3
Prepare the lending file
Income evidence, genuine savings story, and lender shortlist. You decide whether to apply.

Responsible lending applies. We do not guarantee approval, grants, stamp duty outcomes, or scheme eligibility.

Official NSW links

Common questions

Related hubs

Important information

The information on this website is general in nature only. It does not take into account your objectives, financial situation, or needs, and you should consider whether it is appropriate for you before acting on it.

Credit assistance and lending are subject to lender assessment, terms, conditions, fees, charges, and eligibility criteria. A loan product that suits one borrower may not suit another.

You should consider obtaining independent legal, financial, and taxation advice before making decisions about credit or property.

Ready to map a NSW first-home pathway?

Bishnu Adhikari — call 0400 77 77 55 or send an enquiry. General information only.

Speak with a broker Start your application WhatsApp message

Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.