Grants & incentives

There are a range of State Government and Federal Government grants and incentives that may assist the purchase of your new property in the city.

HomeStart Finance

The Starter Loan is a secondary loan taken out with a primary HomeStart loan to help cover the upfront costs for buying or building a home. 

The Starter Loan has a five-year term, with no repayments required or interest charged during those five years.

You may be eligible if you qualify for a primary HomeStart loan, have a net household income of less than $52,000 for singles and $60,000 for couples, not own another property and have enough funds to cover the deposit, but not enough for the remaining upfront costs, like Stamp Duty

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State Government grants

First Home Owner Grant

The First Home Owner Grant (FHOG) is paid by the State Government to eligible first home owners.
FHOG applies to the purchase or construction of a new residential property, including a house, flat, unit, townhouse or apartment that meets local planning standards anywhere in South Australia.

The residential property must be occupied as each applicants' principal place of residence for a continuous period of at least six months commencing within 12 months of date of settlement for contracts to purchase, or the date construction is completed for owner builders or contracts to build.

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Federal Government grants

First Home Super Saver Scheme

The FHSS scheme allows you to save money for your first home inside your superannuation fund. This will help first home buyers save faster with the concessional tax treatment of super.

You can use this scheme if you are a first home buyer and both of the following apply:

  • You either live in the premises you are buying, or intend to as soon as practicable.
  • You intend to live in the property for at least six months within the first 12 months you own it, after it is practical to move in.

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