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There are schemes right now most first home buyers do not know about.

A 5 percent deposit option with no lenders mortgage insurance. Two shared equity schemes with 2 percent deposits, one federal and one run by Queensland. A $30,000 grant for new builds. Six answers shows you which may fit.

Six answers, four schemes

Nothing you type here leaves this page. Figures checked against official sources on 10 August 2026.

Is this your first home?
Will you live in it?
Buying alone or together?
New build or established?
Where in Queensland?

Your taxable income, as on a tax return.

A suburb median is fine.

General information only, not financial or credit advice. Scheme rules change and the administrator decides eligibility, so check the official pages before you rely on this. Income caps for Help to Buy shown here are the 2026 figures ($103,000 single, $165,000 joint) and index each year.

Queensland also gives first home buyers a transfer duty concession. The Byrz costs check works it out for your exact price. Work out your buying costs.

Then check where your savings land, see what you could borrow, or head back to all the tools.

Byrz is a property research and buyer tool. It is not a lender or credit provider. Figures here are estimates and general information only, not an offer of credit and not financial advice. Check official scheme eligibility before you rely on it.