To be eligible for the SA First Home Owner Grant you must: be purchasing or building a new home that has never been previously occupied; be a first home buyer (or have a partner who is); be an Australian citizen or permanent resident; intend to occupy the home as your principal residence for at least 6 continuous months within 12 months of settlement or completion.
The grant is not available for established homes — only newly built properties. This includes new house and land packages, off-the-plan apartments, and contracts to build. Eligibility criteria apply — confirm your specific situation with Lendology or RevenueSA.
For purchases of completed new homes, the FHOG is typically paid at settlement. For construction loans, the grant is paid at the first progress draw stage — when the base or slab is complete. The grant is paid directly to the lender or conveyancer as part of the settlement process.
Lendology manages the FHOG application as part of your loan process — you do not need to apply separately to RevenueSA if applying through a lender. The application is lodged at the same time as your loan application.
Yes — in SA, eligible first home buyers purchasing a new home can access both the $15,000 FHOG and the stamp duty concession simultaneously. The stamp duty concession provides zero stamp duty on new home purchases with no property price cap for contracts entered into from 6 June 2024.
Both benefits require separate applications, but Lendology coordinates both as part of your loan process. The stamp duty concession is not available for established homes. Source: RevenueSA.
Jason and Steve are Adelaide mortgage brokers who give honest, free advice. No obligation.
The information on this page is general in nature and does not constitute financial advice. Given Finance Pty Ltd (t/a Lendology) ACN 624 144 501 is authorised under LMG Broker Services Pty Ltd ACL 517192.