Northern Territory first home owner grant and stamp duty
Last checked
As at Next checkThe Northern Territory helps first home buyers of a new home with the HomeGrown Territory Grant, but has no first home buyer duty concession.
- Grant: $50,000, new homes only, no price cap
- Contracts signed 1 October 2024 to 30 September 2027
- No first home buyer stamp duty concession
- House and land packages: a duty exemption open to any buyer
The HomeGrown Territory Grant now
The HomeGrown Territory Grant is $50,000 for first home buyers building or buying a new home. It replaced the $10,000 First Home Owner Grant.[1] The home must never have been lived in or sold as a place of residence. Owner-builders and off-the-plan purchases qualify, and there is no cap on the build or purchase price.[1]
You must sign the contract to buy or build, or start building as an owner-builder, between 1 October 2024 and 30 September 2027. The NT Government has extended that window, and applications for the grant close on 30 September 2028.[1]
You must not have owned a home before anywhere in Australia. At least one applicant must be over 18, and one must be an Australian citizen or permanent resident. You must live in the home for at least 12 months after taking possession, or once the build is complete.[1]
Bought an established home? The $10,000 grant for those covered contracts signed from 1 October 2024 to 30 September 2025 only.[2] Existing home owners may get the separate $30,000 FreshStart New Home Grant instead. It cannot be combined with the HomeGrown grant.[2][1]
| Item | Detail | Source |
|---|---|---|
| HomeGrown Territory Grant # | $50,000, new homes only, with no cap on the price | [1] |
| Contract dates # | Contract signed, or owner-builder start, from 1 October 2024 to 30 September 2027. Applications close 30 September 2028 | [1] |
| Established home # | No grant for contracts signed after 30 September 2025. It was $10,000 | [2] |
| Stamp duty: first home buyers # | No first home buyer concession listed | [2] |
| House and Land Package Exemption # | No duty on an eligible house and land package, for any buyer, with no value cap. Contracts 1 July 2022 to 30 June 2027 | [3] |
| Living in the home # | Grant: at least 12 months. Exemption: move in within 12 months of completion and stay 6 months | [1][3] |
NT stamp duty for first home buyers
The NT Government's home owner assistance page lists no stamp duty concession for first home buyers. The one exemption it lists is for house and land packages, and any buyer can use it.[2]
The House and Land Package Exemption applies when you buy a house and land package from a building contractor in a single transaction. The contract must be signed between 1 July 2022 and 30 June 2027.[3] The contractor builds a new detached home on the land, finishes one, or transfers a completed one. The contractor must have bought the land from a developer and paid duty on it.[3]
The exemption is not means tested and has no cap on the property's value. At least one buyer must move in within 12 months of completion and live there for at least 6 months in a row.[3]
To estimate the duty on a particular price, use the Territory Revenue Office's official Land or property transfer stamp duty calculator.[4] We do not run our own duty calculator: the official one is maintained by the office that sets the rules.
Worked examples at $550,000 and $700,000
Take first home buyers in Darwin who meet the rules, with a contract signed between 1 October 2024 and 30 September 2027.
- A new home at $550,000: the $50,000 grant may apply, as there is no price cap.[1] No first home buyer duty concession applies. If the home is an eligible house and land package, the exemption may remove duty.[2][3] The price is under both federal caps anywhere in the territory. A 5% deposit is $27,500; Help to Buy's minimum 2% deposit is $11,000.[5][6]
- A new home at $700,000: the grant may still apply.[1] The price is under the $750,000 5% Deposit Scheme cap for the capital city, but over the $600,000 Help to Buy cap. Outside the capital city it is over the $600,000 cap of both schemes.[5][6]
This applies the published rules to stated prices. It is not a prediction of your result: eligibility depends on your circumstances and is decided by the Territory Revenue Office and the lender.
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How NT support sits beside the 5% Deposit Scheme and Help to Buy
The federal 5% Deposit Scheme and Help to Buy set different caps in the Northern Territory. The 5% Deposit Scheme cap is $750,000 for the capital city and $600,000 for the rest of the territory. Help to Buy has one cap of $600,000 across the territory.[5][6] Housing Australia says Help to Buy can be used together with state stamp duty concessions and grants.[7]
The HomeGrown grant has no price cap, but the federal schemes do. So a new home above $600,000 can still get the grant, but not Help to Buy. Housing Australia lists no regional centres in the territory.
Caps apply by suburb and postcode; Housing Australia's postcode search confirms the cap for a particular address.[5]
How to apply, and who pays it
You can apply through your financial institution or directly with the Territory Revenue Office. You must apply within 12 months of settlement.[1] Through a lender, the grant is paid to the lender once your eligibility is confirmed. You can ask your lender to release it early to help with your deposit, subject to its usual approval process.[1]
Check before you rely on it. Grant and duty rules are administered by the Territory Revenue Office and change from time to time. General information only. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to enter into any credit contract. Eligibility is decided by the scheme administrator and the lender.
Compare the Northern Territory with every other state and territory in our first home buyer tracker. Or read how Help to Buy and the 5% Deposit Scheme work.
What changed
- : The $50,000 HomeGrown Territory Grant began for new homes. It replaced the $10,000 first home owner grant.[1]
- : Last day to sign a contract for the $10,000 grant on an established home.[2]
Page history: every figure re-checked against the official pages listed below on .
Buying in the Northern Territory?
Zafar works with clients Australia-wide by phone and video call. He can check the Northern Territory and federal rules against your situation and how they fit with a loan from his lender panel.
Ask Zafar to check Call 0402 357 860
Sources
- NT Government, Buying or building a new home: HomeGrown Territory. Retrieved .
- NT Government, Home owner assistance. Retrieved .
- NT Government, Stamp duty exemption (House and Land Package Exemption). Retrieved .
- NT Government, Land or property transfer stamp duty calculator. Retrieved .
- Housing Australia (firsthomebuyers.gov.au), Help to Buy property price caps. Retrieved .
- Housing Australia (firsthomebuyers.gov.au), Australian Government 5% Deposit Scheme fact sheet (headed 1 July 2026). Retrieved .
- Housing Australia (firsthomebuyers.gov.au), Help to Buy: frequently asked questions. Retrieved .
Common questions
How much is the first home owner grant in the NT?
$50,000, through the HomeGrown Territory Grant, to buy or build a new home. There is no price cap. The contract must be signed between 1 October 2024 and 30 September 2027.
Is the NT HomeGrown Territory Grant still available?
As at 14 Oct 2026, yes, for contracts signed by 30 September 2027. Applications close on 30 September 2028. Check the NT Government page before you sign, because grant settings change.
Can I get the NT grant on an established home?
Not on a contract signed now. The $10,000 grant for established homes covered contracts signed to 30 September 2025 only.
Do first home buyers pay stamp duty in the NT?
The NT Government lists no first home buyer duty concession. The House and Land Package Exemption can remove duty on an eligible new house and land package, for any buyer.
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