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Gladstone QLD

First Home Owner Grant Checklist

Complete document checklist for the Queensland First Home Owner Grant. AJ Home Loans Gladstone helps first home buyers in Gladstone, Calliope and Central Queensland get grant-ready fast. Call 0409 311 985.

0409 311 985

Important: This $30,000 Grant Applies to New Builds Only

The First Home Owner Grant is a Queensland Government cash payment for buyers purchasing or constructing a brand-new home that has never been previously owned or occupied. It does not apply to established or second-hand properties.

The vast majority of first home buyers in Gladstone purchase existing homes. If that is your situation, this grant does not apply to you, but there are still strong schemes available. The federal 5% Deposit Scheme and Queensland’s Boost to Buy 2% deposit scheme both cover existing properties. Coral can assess all options for you as your local mortgage broker in Gladstone.

Buying an existing home? Call 0409 311 985

Three Schemes, Three Different Purposes

Many buyers confuse these programs. They are completely separate with different eligibility rules and processes. This checklist covers the grant only. Use the links below for the deposit schemes.

Your FHOG Document Checklist

Missing or incorrect documents are the number one reason grant applications are delayed. Tick off each item as you collect it. QRO fast-tracks complete applications.

Unsure whether you qualify before starting? Coral’s first home buyer service in Gladstone includes a full grant eligibility check at no charge.

Section 1: Identity Documents (100-Point Check)

You need documents totalling 100 points. Mix and match below. Coral can certify copies as a Commissioner for Declarations.

  • Driver’s Licence (40 points)

    Current Queensland or Australian driver’s licence showing your photo and current address.

  • Australian Passport (70 points)

    Current Australian passport. International passports do not count for citizenship proof.

  • Birth Certificate (70 points)

    Full birth certificate (not an extract) issued by an Australian Registry of Births, Deaths and Marriages.

  • Citizenship Certificate (70 points)

    Australian citizenship certificate if you are a naturalised citizen.

  • Medicare Card (25 points)

    Current Medicare card showing your name. Useful for reaching the 100-point total.

  • Recent Utility Bill (25 points)

    Gas, electricity, or phone bill less than 3 months old, showing your current address.

Section 2: Residency and Citizenship Proof

  • Proof of Australian Citizenship or Permanent Residency

    Birth certificate, citizenship certificate, or current Australian passport. Permanent residents: passport with visa grant notice or ImmiCard attached.

  • Visa Details (if applicable)

    If you are a permanent resident, include your current visa grant notice or ImmiCard.

Section 3: Property Documents

  • Contract of Sale

    Fully executed contract signed by all parties. Must show purchase price under $750,000. This is the primary document QRO assesses first.

  • Building Contract

    Complete building contract if constructing, including all variations and the final agreed price.

  • Final Inspection Certificate

    For completed builds: final inspection certificate from council or a building certifier. Required before the grant is paid on new construction.

  • Property Valuation (if near the $750k cap)

    Independent valuation if your purchase or build price is close to the $750,000 threshold.

  • Title Search or Property Details

    Current title search confirming the property has never been previously owned or occupied as a residence.

Section 4: Relationship Documents (if buying with a partner)

  • Marriage Certificate

    Official marriage certificate if you are married to your co-buyer.

  • De Facto Relationship Declaration

    Statutory declaration confirming de facto relationship if unmarried. Available from qro.qld.gov.au. Coral can witness this as a Commissioner for Declarations.

  • Partner’s Identity Documents

    Your partner needs the same 100-point ID check. Include all their documents in the same submission.

Section 5: Application Forms and Declarations

  • FHOG Application Form

    Completed online application from qro.qld.gov.au. Print and include the confirmation page with your submission package.

  • Statutory Declaration

    Signed declaration confirming you meet all eligibility criteria and will occupy the property. Coral can witness this as a Commissioner for Declarations during your Gladstone appointment.

  • Settlement Statement

    Settlement sheet from your solicitor or conveyancer confirming the final purchase details and settlement date.

Getting Your Documents Right

Certified copies
Have documents certified by a Commissioner for Declarations, Justice of the Peace, lawyer, or police officer. Coral can do this during your appointment. Keep all originals safe.
Name consistency
Your name must appear exactly the same on every document. Middle names matter to QRO.
Document age
Utility bills and bank statements must be less than 3 months old at the time of submission.
Legibility
QRO rejects blurry or unclear copies. High-quality scans or photocopies only.
Translations
Any documents not in English require an official translation before submission.

Common Reasons Applications Are Rejected or Delayed

Expired ID documents • Purchasing an established home instead of a new build • Missing partner documents • Incomplete building or sale contracts • Name mismatches across documents • Utility bills older than 3 months • Unsigned statutory declarations • Property value at or above $750,000

Before you lodge

Final Check Before Submission

  • All documents are certified copies, not originals
  • Names match exactly across every document
  • Property value is confirmed under $750,000
  • Lodging within 1 year of settlement or build completion
  • Property is genuinely new and has never been occupied
  • All forms are signed, dated, and witnessed where required
  • Contact details are current and accurate

Related Pages for Gladstone First Home Buyers

First Home Buyer Loans Gladstone

Full guide to grants, loan options, and the buying process

5% Deposit Scheme QLD 2026

Buy an existing home with 5% deposit and no LMI

Boost to Buy: 2% Deposit QLD

Queensland shared equity scheme for eligible buyers

Mortgage Broker Gladstone QLD

Coral Jacobs, local expert, 7am to 7pm, 7 days

Need Help with Your FHOG Application?

Coral helps first home buyers across Gladstone get grant-ready and loan-approved. As a Commissioner for Declarations she can witness and certify your documents on the spot. Available 7am to 7pm, 7 days a week, no office visit required.

Call Coral: 0409 311 985

Queensland Revenue Office: 13 23 80, qro.qld.gov.au This checklist is current as at April 2026. The $30,000 FHOG is extended to 30 June 2026 at current amounts. Grant conditions and eligibility are set by the Queensland Government and may change. Always verify current requirements at qro.qld.gov.au before submitting. This page provides general information only and does not constitute financial or legal advice.

Let's work out what this means for you. Call Coral on 0409 311 985