How government schemes and new communities are giving buyers a head start

Buying your first home can feel overwhelming, but new incentives and emerging communities are making the path to ownership easier.

For many aspiring homeowners, the challenge of saving a deposit, paying stamp duty and securing the right home can seem overwhelming. The good news? A combination of smart government initiatives and carefully designed new communities are helping first-time buyers bridge the gap to home ownership more quickly.

In this article, we’ll unpack how programs like the First Home Guarantee and Queensland’s concessions are opening doors - and how new communities such as Kinma Valley and Rivermont are offering genuine entry-level opportunities. We’ll also explore the builder’s role in offering fixed-price homes and simpler pathways to help buyers achieve their goals sooner.

1. Key support programs for first home buyers

The First Home Guarantee
The Australian Government’s First Home Guarantee (FHBG) allows eligible first home buyers to purchase with a deposit as low as 5%, without paying Lenders Mortgage Insurance (LMI). The government, through Housing Australia, guarantees up to 15% of the property’s value to the participating lender, helping reduce the upfront financial burden.

From 1 October 2025, the scheme will expand to include unlimited places, higher property price caps (up to $1 million in Queensland’s major regions), and simplified eligibility criteria. In the 2025–26 financial year, 50,000 new guarantee places will be made available, ensuring more Australians can access the benefits.

This means buyers no longer need to wait years to save a full 20% deposit. For many, that can reduce the time to purchase by several years and save tens of thousands in LMI costs.

Queensland’s first home buyer concessions
Queensland offers several state-based incentives to make buying a new home even more achievable.

• Transfer duty (stamp duty) concessions: As of May 2025, first home buyers purchasing a new home or land to build can receive a full transfer duty concession, regardless of the property’s value.
• First home (existing home) concessions: For established properties under certain thresholds (around $800,000), buyers may save up to $24,525 in duty costs.
• First home owner grant: This provides direct financial support for building or buying a new home, helping first-time buyers bridge the gap between savings and settlement.

Together, these incentives significantly reduce upfront costs - particularly when paired with the federal schemes - making the jump from renting to owning far more achievable.

2. Entry-level communities: Kinma Valley and Rivermont

While financial support plays a big part, finding the right community is equally important. Two new developments in the Moreton Bay region - Kinma Valley and Rivermont - are designed to meet the needs of first home buyers seeking affordable, connected, and family-friendly living.

Kinma Valley
Located near Morayfield, Kinma Valley is a 234-hectare master-planned community set to deliver around 2,500 homes for approximately 6,500 residents. Over 30% of the estate is dedicated to open space, including a central park, walking trails, and green corridors.

With a variety of lot sizes, Kinma Valley provides flexibility for first home buyers to choose a home design that fits their budget and lifestyle. House-and-land packages are priced competitively, offering a more attainable path to home ownership in a region forecast for strong growth.

Rivermont
Just a short drive away in Waraba (formerly Caboolture West), Rivermont is another master-planned community developed by Stockland. Spanning 175 hectares, it will feature approximately 2,050 homes, with 47 hectares of parkland, six local parks, and community-focused design.

Rivermont’s affordability and proximity to transport, schools, and shopping hubs make it particularly attractive for first home buyers. As part of the broader Moreton Bay growth corridor, it’s well positioned for long-term value and lifestyle appeal.

Both Kinma Valley and Rivermont exemplify what modern master planning can achieve - affordability, community connection, and lifestyle in balance.

3. The builder’s role: fixed-price homes and simpler pathways

Government support and well-designed communities are key pieces of the puzzle - but choosing the right builder is just as important. A builder like AUSMAR helps simplify the process for first home buyers through fixed-price homes, transparent inclusions, and ongoing support.

Here’s how:

• Affordable designs: AUSMAR’s First Series range offers homes with cost efficient floor plans, and inclusive standard features - so you can move straight in without worrying about extra upgrades.
• Guidance on government schemes: AUSMAR’s team helps you navigate the First Home Guarantee, QLD concessions, and available grants, ensuring you don’t miss out on valuable savings.
• Transparent timelines and quality delivery: For first-time buyers, having a builder with a trusted reputation matters. AUSMAR’s build process focuses on transparency, progress updates, and high-quality finishes - providing peace of mind throughout the journey.

By combining government incentives, accessible communities, and a builder who understands the first home buyer journey, purchasing your first home becomes simpler, faster, and far less stressful.

4. Bringing it all together - your pathway to owning sooner

Here’s what a typical pathway might look like:

• Check your eligibility for the First Home Guarantee and Queensland concessions.
• Choose your community - Kinma Valley and Rivermont are ideal for entry-level buyers seeking lifestyle and growth potential.
• Sign a fixed-price contract from a trusted builder like AUSMAR.
• Apply for your chosen schemes through your lender or the Queensland Revenue Office.
• Start building and plan your move-in - with confidence that your home, budget, and timeline are secure.

With this combination of government assistance, well-designed new communities, and reliable builders, first home ownership in Queensland is now within reach for more Australians than ever before.

5. Learn how AUSMAR supports first home buyers

If you’re ready to explore your options, AUSMAR’s team is here to help. From finance guidance and community insights to fixed-price contracts, we’ll walk you through every step of the journey - so you can get into your first home sooner.
👉 Learn how AUSMAR supports first home buyers.