At Teach Me About Property (TMAP), we believe that action takers are money makers. This mindset has helped many of our students make the most of first-time home buyer benefits. The key is strategy, strategy, strategy. Here are the top three benefits available in 2025 that can help first-time buyers get into the property market.

1. Low Money Down (LMD) – Get into the Market with Less

One of the biggest hurdles for a first-time home buyer is saving a large deposit. However, TMAP’s Low Money Down (LMD) strategy allows buyers to enter the market with as little as $5,000.

Here’s how it works:

  • Select the right property: Off-the-plan properties, house and land packages, and townhouses often work best.
  • Negotiate favourable terms: Secure time and a deposit structure that works in your favour.
  • Let the market do the heavy lifting: Over 12-24 months, property values typically increase. When this happens, banks allow buyers to use the increased valuation as their deposit.

This strategy helps first-time buyers enter the market sooner, benefiting from property growth without needing a huge upfront investment.

2. Other People’s Money (OPM) – Maximise Available Funds

First-home buyers don’t have to rely solely on their own savings. Other People’s Money (OPM) is a strategy that uses financial resources from different sources, including:

  • Government grants and incentives – Each state offers grants and stamp duty concessions (see below for details).
  • Shared equity schemes – Programs where the government or a financial institution helps cover part of the purchase price.
  • Family support – Parents and relatives can assist through equity, cash gifts, or acting as guarantors.
  • Builder and developer discounts – Some property developers offer rebates or incentives for first-home buyers.

By leveraging these opportunities, buyers can reduce upfront costs and get a foot in the door sooner.

3. Income Replacement Strategies (IRS) – Turn Your Property into an Asset

Many first-home buyers worry about how a mortgage will impact their lifestyle. The good news is that property can actually generate income. TMAP’s Income Replacement Strategies (IRS) focus on properties that not only cover ownership costs but also generate extra cash flow.

Popular IRS strategies include:

  • Rent-vesting – Renting where you want to live while owning an investment property that pays for itself.
  • Co-living and multi-income properties – Triplexes, duplexes, and shared housing can generate multiple income streams.
  • NDIS (SDA) properties – High-yield disability housing can provide strong rental returns.

By selecting the right property, first-home buyers can turn their purchase into a source of income instead of just an expense.

First-Home Buyer Grants and Incentives in 2025

Each Australian state offers grants and concessions to help first-home buyers. Here’s a quick overview:

Queensland (QLD)

  • Grant: $30,000 for contracts signed between 20 Nov 2023 – 30 June 2025.
  • Stamp Duty: Concessions for properties up to $800,000.

Victoria (VIC)

  • Grant: $10,000 for new homes up to $750,000.
  • Stamp Duty: Exemption for properties up to $600,000, concessions for $600,001 – $750,000.

New South Wales (NSW)

  • Grant: $10,000 for new homes up to $600,000 ($750,000 if building/owner-builder).
  • Stamp Duty: Exempt for homes up to $800,000, concessions up to $1,000,000.

Western Australia (WA)

  • Grant: $10,000 for new homes up to $750,000 (south of the 26th parallel) or $1M (north).
  • Stamp Duty: Concessions for properties up to $600,000.

South Australia (SA)

  • Grant: Up to $15,000 for new homes.
  • Stamp Duty: Relief available for first-home buyers.

For more details, visit the respective state government websites.

Make 2025 Your Year to Buy Property

Understanding these benefits is only the beginning. At TMAP, we help every hardworking first home buyer strategically use LMD, OPM, and IRS to turn property into a wealth-building tool. With the right guidance and mentorship, the home-buying process becomes clear and achievable.

If you’re ready to take action, reach out to the team at Teach Me About Property. Let’s make your first property purchase a reality!