Use our free first home buyer calculators to see exactly where you stand — first check which government grants and schemes you qualify for, then estimate how much you can borrow. Both are built specifically for first home buyers in Queensland and Victoria, with the current 2026 rules baked in. Everything is indicative and confirmed with a licensed broker before you commit.
Grant Eligibility Calculator
Check which first home buyer grants and schemes you qualify for in QLD or VIC — the First Home Owner Grant, stamp duty exemptions, the 5% Deposit Scheme and Help to Buy — and see your estimated cash to buy. Two minutes, per applicant.
Borrowing Power Calculator
Estimate how much you can borrow for a new home using real lender servicing logic — income, expenses, debts and the bank’s assessment-rate buffer — plus an indicative purchase price with a 5% deposit.
Start with grants, then borrowing power. The grants and exemptions you qualify for change how much cash you need up front; your borrowing power sets your price ceiling. Together they tell you what’s actually achievable.
Helpful guides
Read the complete First Home Buyer Queensland guide or Victoria guide, or learn about the 5% Deposit Scheme, QLD FHOG, VIC FHOG, Help to Buy and the First Home Super Saver Scheme.
When you’re ready, book a free eligibility call — it’s free, because Low Deposit Homes is paid by the builder, not you.
Want your personalised first home plan – free?
Tell us a little about you and our team will confirm exactly which grants and schemes apply and what you can afford. Free, no obligation.
All calculators provide indicative estimates only and are not financial advice or a loan offer. Eligibility and figures are confirmed with a licensed broker.