Accessing government grants and concessions as a first home buyer in Queensland should feel clear and achievable not like a maze of forms and fine print. Whether you’re building new, buying off the plan, or securing a newly renovated home, Write Finance delivers a structured process that removes uncertainty. We guide you from your first eligibility check to settlement, ensuring every decision is backed by accurate information and your personal goals.
We help first home buyers secure grants with clarity and confidence
Our approach is built around understanding your eligibility and integrating grants into your broader lending strategy. While we can help with urgent applications, our process is designed to ensure the grant you receive works hand-in-hand with your loan structure — maximising your benefits both now and in the future.
Our approach to grant guidance
Discovery and Eligibility Check
We begin by confirming exactly which Queensland and federal schemes you qualify for. This includes assessing your eligibility for the First Home Owner Grant of up to $30,000 for new builds or substantially renovated homes valued at $750,000 or less, the First Home Concession which can reduce or remove stamp duty on properties under $800,000 or land under $500,000, and the Boost to Buy Shared-Equity Scheme launching mid-2025, where the government may contribute up to 30% of the property price in exchange for shared equity with deposits as low as 2%. We carefully review the property type, purchase price, and your personal situation to determine exactly which schemes you can access and how they can be maximised.
Documentation and Preparation
We prepare a tailored checklist so you know exactly what is required before applying. This might include proof of identity and citizenship or residency status, a signed contract of sale or building contract, evidence of your intention to live in the home within 12 months for at least six continuous months, and relevant income verification particularly important for shared-equity schemes with capped earnings. Having the right documentation ready from the outset avoids unnecessary delays and significantly improves your chances of approval.
Financial Position and Grant Impact Assessment
While grants reduce the amount you need to borrow, they also affect your deposit size, loan-to-value ratio, and choice of lenders. We assess how the grant will work within your broader lending strategy, looking at whether it could help lower or remove Lenders Mortgage Insurance, improve your borrowing capacity, or work alongside guarantor loans and other low-deposit products. Every recommendation is made with your long-term financial goals in mind, not just your immediate purchase.
Grant Comparison and Recommendation
Where more than one grant or concession is available, we guide you through the pros and cons of each option. This may mean weighing up the overall financial benefit, understanding any repayment obligations such as shared equity buyback, and ensuring the grant aligns with your chosen property type and preferred location. Our focus is on ensuring you make the decision that delivers the strongest short-term advantage and the most sustainable long-term outcome.
Application and Pre-Approval
We manage the grant application process in step with your home loan application to keep everything moving in sync. This includes ensuring the grant amount is factored into your settlement figures, coordinating with your lender and solicitor to confirm eligibility, and handling any questions or requests from the government to prevent delays.
Final Approval and Settlement
Once your grant is approved, we ensure the payment or concession is applied correctly. In some cases, this means the funds are paid directly at settlement, while in others they may be applied to your loan. Throughout this stage, we liaise with all parties to make sure everything is processed smoothly and without last-minute surprises.
Ongoing Review
Our support continues well after you receive your grant. We help you meet any ongoing residency or compliance requirements, advise on the implications if you choose to sell, rent, or renovate within the restriction period, and assist with planning your next step whether that’s upgrading to a larger home, purchasing an investment property, or releasing equity in the future.
