You can apply for the First Home Owner Grant through your financial institution. Your mortgage broker will be able to organise this when applying for a loan. Applications lodged with financial institutions will have the grant available for settlement. By applying through your financial institution, you will also avoid having to pay stamp duty on your mortgage and then applying for a refund from the Office of State Revenue. Is this correct? I thought you could get the stamp duty waived even if you weren’t applying through the bank? Applications may also be lodged after settlement of your property. These must be lodged within 12 months of completion or settlement of your home.