A first home buyer who fulfils the criteria below:

• At least one of the applicants must be an Australian citizen or have permanent residency in Australia.
• None of the applicants or their spouse/partner can have previously owned a residential property anywhere in Australia prior to 1 July 2000.
• An applicant or their spouse/partner cannot have purchased a residential property on or after 1 July 2000 and occupied that property.
• Applicants must occupy the home purchased or built, as their principal place of residence for a continuous period of 6 months commencing within 12 months of the date of purchase or completion of construction.
• Applicants must be natural persons (that is, not a company) and at least 18 years of age.
• Everyone, who on completion of the transaction will be an owner of the home, must be included as an applicant.