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

Under current settings referenced on this site, a full first home buyer stamp duty exemption can apply at or below $600,000 dutiable value, with a partial concession through to $750,000. Confirm bands and eligibility on the State Revenue Office Victoria before you rely on any figure.

Does Victoria offer a First Home Owner Grant?

Victoria offers a First Home Owner Grant for eligible new homes under published price caps. Established homes generally do not attract FHOG. Verify amount and caps on the SRO Victoria grant page.

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

Published FHBG caps used on this hub: Melbourne & Geelong $950,000; Other VIC $650,000. Confirm live caps on Housing Australia / firsthomebuyers.gov.au.

Do you have a Melbourne branch for Victorian buyers?

Azure Home Loans serves Victorian 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 · VIC

First home buyer guide for Victoria

Map deposit, Victorian stamp duty concessions, grants, and the federal 5% deposit scheme for a VIC purchase — then confirm every number on the State Revenue Office and Housing Australia before you sign.

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

VIC quick reference

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

Stamp duty exemption: ≤ $600,000; Full FHB exemption (dutiable value)
Partial duty concession: $600,001 – $750,000; Sliding scale
FHOG (new homes): $10,000; Cap $750k · not established
FHBG cap — metro: $950,000; Melbourne / Geelong
FHBG cap — regional: $650,000; Rest of VIC
Typical purchase costs: ~$12k – $18k; Excl. duty & LMI
Cooling-off (private sale): 3 business days; Penalty may apply
Pre-approval validity: ~90 days; Reconfirm before offer

Who this helps

Buyers checking VIC full stamp duty exemption vs partial concession bands
Households testing FHBG 5% against Melbourne / Geelong vs regional caps
Purchasers modelling funds to complete beyond the deposit
Melbourne and regional VIC buyers who prefer remote broker support

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 VIC 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 VIC 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.