First Home Owners Grant Victoria

Hi, I'm looking to buy my first house/apartment/unit in regional victoria and am looking for advice/insight.

I would like to buy a unit/apartment/home in regional victoria. Does the first home owners grant only apply to new land/buildings or old buildings too? FHOG gets rid of stamp duty too right? Are banks allowing loans with less the 20% deposit? What about having a guarantor?

Thanks

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