The ACT takes a different approach to first home buyer support. There’s no First Home Owner Grant and no first home buyer specific stamp duty exemption instead, buyers get access to the Home Buyer Concession Scheme, which provides full or partial stamp duty relief to anyone purchasing a home to live in.

In this episode, Jack Elliott breaks down what’s available in the ACT as of September 2025, who’s eligible, and the key benefits and trade-offs to keep in mind. You’ll also learn how the First Home Guarantee Scheme applies in the ACT, with major changes to price caps and income limits from October 2025.

By the end, you’ll understand how these incentives work, and why your long-term property strategy should still guide your decisions, not just the upfront savings.

In this episode:

🔑 How the ACT Home Buyer Concession Scheme works (exemptions, concessional rates, and income limits)

🔑 Real examples of stamp duty savings in the ACT

🔑 Updates to the First Home Guarantee in ACT, price caps and income caps

🔑 Why asset quality and long-term strategy matter more than short-term savings

Timestamps

00:00 – Intro: Why the ACT does things differently

01:32 – What is stamp duty & the Home Buyer Concession Scheme

02:53 – Examples: $1.02M, $1.4M & $1.6M purchases

03:31 – Eligibility & income thresholds

05:45 – Strategy insight: Should you stretch beyond the cap?

07:08 – The First Home Guarantee in the ACT

08:37 – Key changes from October 2025

08:47 – Wrap up & next steps

Unlock your Free Resources

Home Buyer Concession Scheme

ACT Stamp Duty Calculator

First Home Guarantee Scheme

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