This page will cover our conveyancing process for first home buyers, as well as information that will prepare readers if they are considering purchasing their first property.

Our advice to first home buyers is to be extremely organised. Contact a conveyancer or solicitor early in the process to ensure you are well informed about all the necessary legal proceedings. Familiarise yourself with the property market and the conveyancing process to set yourself up for success. Finally, obtaining finance (pre-approval) will help you set realistic goals in terms of what properties are within your budget.

In NSW, first home buyers should see if they are eligible for first home buyer initiatives, such as stamp duty exemptions, discounts or building grants. This knowledge is valuable when budgeting for a property purchase.

Or fill in the form and we'll call you


The diagram below represents the typical course of a property transaction. For first home buyers, the process is basically the same as repeat buyers.

Conveyancing cycle for buying/selling of property info graphic


To improve housing affordability, the NSW Office of State Revenue released a new first home buyers assistance scheme in July, 2017. The scheme offers financial assistance to eligible first home buyers, typically in the form of stamp duty discounts and building grants for new homes.

For example, eligible new home buyers purchasing a new or existing property under $650,000, stamp duty fees have been waived. For homes between $650,000 and $800,000 stamp duty discounts apply. There are also building grants of up to $10,000 for newly built homes.

There are many variations of this scheme, it is important to be aware of the concessions that may apply to you. Visit the NSW Office of State Revenue to learn more or contact your conveyancer.

To apply for one of these schemes, a person must complete a First Home Buyers Assistance scheme form or a First Home Owner Grant (New Homes) form and satisfy eligibility criteria. A conveyancer can help you submit these forms, which takes place after you have exchanged contracts.


If you are considering buying your first property and are located in NSW, Hunter Legal & Conveyancing can guide you on this process.

We provide contract reviews free of charge, and can help you understand your sales contract, prospective mortgage, legal fees, stamp duty and concession eligibility.

Our clients are provided with regular updates, as well as notifications in the form of SMS, email and phone calls. You can call us with any questions you may have, and expect a quick reply.

Purchasing a property is typically an unfamiliar process for first home buyers. We help our clients by educating them on the following;

  • Avoiding being gazumped
  • Preparing to buy at an auction
  • Preparing to buy at a normal (known as private treaty) sale
  • Organising pest and building reports if requested
  • Explaining all details of the contract of sale
  • Compiling all relevant documentation
  • Explaining time frames and requirements

No customers are “too small to matter” at HLC. We provide first home buyers the same level of service and professionalism as we do all our clients. Even after our clients have the keys and are enjoying their new house, we’re still here to provide support in any way we can.


How do I know if I’m eligible for the first home owners grant?

Contact Revenue NSW or visit their first home owner grant website. On this website, you will be able to view the eligibility criteria.

Alternatively you can contact us and we can help you work out your eligibility.

How do I know if I’m eligible for the stamp duty exemption?

Contact Revenue NSW or visit their first home buyers assistance scheme. On this website, you will be able to view the eligibility criteria as well as calculators to determine your concession amount.

Alternatively you can contact us and we can help you work out your eligibility.

Are there any other grants or concessions I might be eligible for?

While the first home owner grant, and first home buyers assistance scheme are the major concessions for NSW first home buyers. It is important to note there are many variations of these schemes.

For example, even if you are purchasing 50% of the property, and another party is purchasing the remainder, you may still receive a concession.

The best course of action is discussing your situation with a licensed conveyancer or Revenue NSW and they will help you identify if a concession applies to you.

Does having my parents as guarantor change the process?

Yes it does, however the changes are primarily the paperwork involved in obtaining finance, the remainder of the conveyancing cycle is otherwise unchanged.

For example, the loan structure will be different and additional documentation will be required, as guarantors are usually guaranteeing against another property. Therefore, there is additional documentation that need to be prepared and signed by the guarantors.


First Home Buyers Assistance Scheme - Revenue NSW

First Home Owner Grant (New Homes) Scheme - Revenue NSW

First Home Buyers Assistance Caclulator - Revenue NSW

Beginners Guide to Conveyancing - Hunter Legal & Conveyancing