First-Home Buyer Grants & Schemes in NSW – What You Need to Know
If you’re thinking about buying your first home in Dubbo, Wellington, Narromine or Cobar, there are a few government schemes that could give you a real head start.
We know getting into the market can feel a bit out of reach at times - but these incentives might be the thing that tips the scales.
First Home Buyer Assistance Scheme
If you're buying a home under $800,000, you may be eligible for reduced or no stamp duty. That’s thousands of dollars saved upfront - which can go straight back into your renovation fund or moving costs.
First Home Owner Grant (FHOG)
This is a $10,000 payment for people buying or building a brand-new home (under $750,000). It’s designed to support those stepping into the market with a newly built place, whether that’s in one of Dubbo’s new estates or out near Narromine.
Regional First Home Buyer Guarantee
This one’s a game-changer for many first-time buyers in regional areas:
Buy with just a 5% deposit and no Lenders Mortgage Insurance (LMI).
That’s a big deal – LMI can cost thousands, and this scheme lets you skip it.
Why it matters for our area
Whether you’re:
Buying your first home in Dubbo’s growing estates
Snapping up a heritage cottage in Wellington
Looking at a lifestyle block near Narromine
Or entering the market in Cobar
These grants could make your dream home more accessible than you think.
Not sure what you’re eligible for?
That’s where we come in.
At Dubbo Conveyancing, we help you understand the fine print and make sure you’re not missing out on anything you’re entitled to.
Send us a message or give us a call – we’re happy to help.
No jargon. No pressure. Just solid advice to help you get started.