Aspen
Compact design that packs a punch
4
2
2
155 m²
Narrow lots
First home buyers
Young couples
Your first home, or your next one. With someone in your corner the whole way.
No jargon, no pressure, no obligation to proceed at any point.
We walk you through the grants and concessions that may apply
Real people. Real care and understanding
No obligation to proceed at any point
Which sounds most like you?
Jump to the section that is most relevant to you, or read the whole thing.
Where are you up to?
You are welcome here whatever stage you are at
We’re ready to guide you every step of the way to your new home.
Just starting to look
You are exploring whether building is right for you. No rush — read, learn, and ask questions. We are here when you are ready to go further.
Saving a deposit
You know you want to build and you are working towards the deposit. We can help you understand what the grants and concessions might mean for what you need to save.
Ready to talk numbers
You have your deposit or are close, and you want to understand the options. We can match you to designs, estates, and packages that fit your budget and goals.
The help that may be available
Grants, concessions and schemes you should know about
Information current as at 16 September 2026
Most of what follows applies to first home buyers. If this is your next home, skip to what may still apply to you at the end of this section.
We describe these schemes so you know they exist and what they broadly do. We do not assess your eligibility — that is determined by RevenueWA, Housing Australia, the lender, or Keystart. Always confirm with the authoritative source linked on each card.
WA First Home Owner Grant
A one-off grant of $10,000 for building or buying a new home. It is not available for established homes — building a new home is one way to access it.
Who it's generally for
First home buyers who meet the eligibility criteria, including property value caps. From 7 May 2026 the cap south of the 26th parallel rose to $800,000, and the link between the FHOG cap and the first home owner duty rate was removed — so a buyer over the grant cap may still access the duty concession.
What to check
Whether the property you are considering is under the value cap for your location, and whether you meet the occupancy and citizenship requirements.
Where to confirm it
WA first home owner rate of duty
A transfer duty concession for eligible first home buyers. From 7 May 2026: no transfer duty up to $600,000 (previously $500,000), concessional rate to $800,000 (previously $700,000). For vacant land: no duty up to $450,000 (previously $350,000), concessional to $550,000 (previously $450,000).
Who it's generally for
First home buyers purchasing a home or vacant land below the thresholds. The FHOG cap and duty concession are no longer linked, so you may access the duty concession even if you are over the grant cap.
What to check
Whether your purchase price falls within the concession thresholds, and whether you meet the eligibility criteria for the first home owner rate of duty.
Where to confirm it
Federal First Home Guarantee
Buy with a 5% deposit without paying Lenders Mortgage Insurance — the government guarantees up to 15% of the value. From 1 October 2025 there are no place limits and no income caps. Property price caps: Perth $850,000, WA regional $600,000.
Who it's generally for
First home buyers (and certain eligible buyers who have previously owned a home) who can meet the deposit and loan requirements. The removal of income caps and place limits means more people may be eligible than previously assumed.
What to check
Whether the property you are considering is under the price cap for your area, and whether your lender participates in the scheme.
Where to confirm it
Help to Buy
A federal shared equity scheme. The government takes an equity share in the property, which reduces what you borrow and what you own. This means your repayments are lower, but you also own less of the home and will need to buy out the government share if your circumstances change.
Who it's generally for
First home buyers who meet the income and price caps. The equity-share trade-off is the key thing to understand — you are exchanging a share of your home for a lower deposit and smaller loan.
What to check
Current income and price caps (these may change), whether the scheme is accepting new applications, and what happens to the government share if you sell or refinance.
Where to confirm it
First Home Super Saver Scheme
Save deposit money through voluntary superannuation contributions and withdraw it for a first home purchase, within limits. The scheme can reduce the tax on your savings, but there are caps on how much you can contribute and withdraw.
Who it's generally for
First home buyers who want to save a deposit through their super fund. It works best for people who plan ahead — the contributions need to be made before withdrawal, and there is a minimum holding period.
What to check
Contribution caps, withdrawal limits, and whether your super fund supports the scheme. The Australian Taxation Office administers the scheme.
Where to confirm it
Guarantor arrangements
A family member (typically a parent) uses their own property as additional security so you can borrow with a smaller deposit and avoid Lenders Mortgage Insurance. The guarantor takes on real financial risk — if you are unable to meet repayments, their property may be at stake.
Who it's generally for
Buyers with a family member willing and able to act as guarantor. This is a significant commitment for the guarantor, and it carries real consequences for them.
What to check
Guarantor arrangements require proper legal and financial advice for both you and the guarantor. Speak to a lending specialist or financial institution and consider independent legal advice before proceeding. We do not provide advice on guarantor structures.
Where to confirm it
Speak to a lending specialist or financial institution
If this is your next home
Most first home buyer schemes no longer apply. The schemes below are not limited to first home buyers and may still be relevant.
Keystart
First & next home
A WA Government lender offering low-deposit loans without Lenders Mortgage Insurance, plus a shared-equity option. Eligibility criteria and income limits apply. Keystart is not exclusively for first home buyers — some products may suit next-home buyers as well.
Who it's generally for
Buyers who can meet Keystart eligibility criteria, including income limits. The low-deposit option may suit buyers who have income capacity but are still building a deposit.
What to check
Current income limits, eligible property types, and whether the shared-equity option suits your situation. Speak to a lending specialist or financial institution to compare Keystart against other lenders.
Where to confirm it
WA off-the-plan duty concession
First & next home
A transfer duty concession for buying or building a new home, extended to 30 June 2028 and expanded to include new dwellings in survey-strata and community title schemes, with increased value thresholds effective 12 March 2026. This concession is not limited to first home buyers.
Who it's generally for
Buyers of new homes or off-the-plan dwellings who fall within the value thresholds. This is the main scheme that may still apply if this is your next home rather than your first.
What to check
Whether your purchase qualifies under the expanded criteria, and what the current value thresholds are. Confirm with the State Revenue Office or your conveyancer.
Where to confirm it
Mortgage repayments increase when the loan reverts to Principal and Interest. This is general information only and does not constitute financial, tax, or investment advice. You should consult your own registered tax agent or licensed financial adviser before making any investment decision.
How it works
Step by step, with someone beside you
Each step shows what we do and what you do — so you can see you are never left holding something alone.
1
Enquiry
YOU...
Tell us about your goals, your family, and where you want to live.
WE...
We listen to where you are and what you are looking for.
2
Qualification
YOU...
Share where you are with finance and deposit savings.
WE...
A specialist reviews your position and confirms a suitable path forward.
3
Finance & grants
YOU...
Talk to us or your financial institution about your borrowing capacity.
WE...
We walk you through the grants and concessions that may apply, and help you understand the shape of the costs.
4
Home design selection
YOU...
Choose from a range of tried-and-tested home designs.
WE...
We help you find a design that fits your land, your budget, and how your family lives.
5
Preliminary plans
YOU...
Review the plans and ask anything before committing.
WE...
We prepare a preliminary agreement locking in the design, inclusions, and scope.
6
Building contract
YOU...
Sign the contract when you are ready and comfortable.
WE...
A formal building contract is prepared directly between you and our trusted builder.
7
Build updates
YOU...
Stay informed at each stage — ask questions any time.
WE...
Regular stage updates with a named contact throughout construction.
8
Handover
YOU...
Collect your keys and move in.
WE...
Your home is handed over, tenant-ready or move-in ready.
If this is your next home
Buying your next home — the things almost nobody talks about
You have done this before, so you know what you want. These are the concerns that are specific to buying your next home as a build rather than an established purchase.
Timing the sale of your current home
Some buyers build first and sell after; others sell first and rent in between. What works depends on your financial position, your lender, and the market.
Where you live in between
Staying in your current home, renting, or short-term accommodation are all options.
Moving because the family has changed
More bedrooms, fewer, a different suburb for schools, a single storey for accessibility — whatever the reason, a new build means a home designed for where your family is now, not where it was.
What you can carry over from last time
You know the process, you know what you want, and you know what to ask. The main thing that has changed is that most first home buyer help no longer applies — the trade is certainty and specification rather than grants.
Building a second home is the ultimate opportunity to design the space you’ve always wanted—correcting past compromises and bringing fresh visions to life.
Home designs
Designs for living in, not leasing out
These are the same designs we use across the site, shown here for how your family would live in them — bedrooms, living spaces, and block orientation.
Alberta
Designer finishes on a clever 12.5m footprint
3
2
2
160 m²
Narrow lots
Young couples
Downsizers
Jersey
Business out the front, party out the back
4
2
2
184.90 m²
Narrow lots
Young couples
Growing families
Maui
Modern living designed for comfort and style
4
2
2
170 m²
Narrow lots
Young couples
First home buyers
Dallas
A four bedroom home with everything you need
4
2
2
198 m²
Growing families
Entertainers
Broad lots
Lennox
Room to breathe for growing families
4
2
2
210 m²
Growing families
Entertainers
Broad lots
FAQ
Questions, answered plainly
Grouped by topic so you can find what you need. Every answer touching money includes a pointer to the right person to confirm it.
Getting started
Grants and finance
Building specification
Moving from your current home
Honesty
When it might not be the right time
A short, honest list of circumstances where building is not the answer yet. This looks like it costs conversions. It does not. The people it filters out were never going to proceed, and the people it keeps trust everything else on the page more.
Your income is not stable enough to carry progress payments
Progress payments come during the build, not at the end. If your income is irregular or uncertain, carrying them may add stress you do not need.
Your deposit is not there yet
If you are still saving, that is fine — but building is not the right move until you are there. Focus on the deposit first, and come back when you are ready.
A move is on the horizon
If you are planning to leave Perth within the build period or shortly after, the logistics of a new build may not make sense for your situation.
Not this year? That is fine. Read more and come back when it suits. The market will still be here, and so will we.
Talk to us
Send us a note
No obligation, no call you did not ask for. Share your details and we will be in touch.