FHOG Eligibility for Property Investors
It might come as a surprise, but even if you own one or several investment properties, you could still qualify for the First Home Owner Grant (FHOG). The determining factor isn’t property ownership—it’s whether you have lived in a property as your primary residence.
Key Criteria for Eligibility
- You or your partner/spouse must not have previously owned and occupied a residential property in Australia.
- Owning investment properties, without ever having lived in them, does not exclude you from eligibility.
Proof of Investment Usage
To support your FHOG application, you will typically need to provide documentation that shows your properties were solely used as investments:
- Continuous lease agreements
- Tax returns indicating rental income
- Utility bills, electoral roll details, and a driver’s licence that list an alternative residential address
- Evidence that no personal belongings are stored at the investment properties
Residency and Property Conditions
In order to qualify for the grant, you must also meet the following:
- Purchase or build a new home, as established dwellings typically do not qualify.
- Fulfill your state’s residency requirements, which generally require living in the home for 6–12 months.
- Adhere to state-specific price caps and first-time buyer rules.
Eligibility Overview
| Situation | FHOG Eligibility |
|---|---|
| Only own investment properties | ✅ Eligible |
| Previously lived in a property you owned | ❌ Not Eligible |
Final Thoughts
Before proceeding with your application, ensure you consult your state’s FHOG guidelines and prepare to thoroughly document your investment status. It can be beneficial to speak with a home loan expert or legal advisor to help navigate the process.
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