First home buyer grants in SA: what you are entitled to in 2026

South Australia has some of the most generous first home buyer incentives in the country. Most eligible buyers miss out on at least some of what they are entitled to simply because they do not know the full picture.

The First Home Owner Grant — $15,000 cash

The FHOG is a $15,000 cash grant for eligible first home buyers purchasing or building a new home valued under $650,000 in SA. Key eligibility criteria:

• You must not have previously owned a residential property in Australia
• At least one applicant must be an Australian citizen or permanent resident
• The property must be a new home — not an established property
• You must live in the property for at least six months within 12 months of settlement

Stamp duty abolished for first home buyers

Stamp duty has been completely abolished for eligible first home buyers of new homes in South Australia under $650,000. On a $600,000 purchase this saves you over $26,000.

The First Home Guarantee — 5% deposit, no LMI

The Federal Government's First Home Guarantee allows eligible buyers to purchase with just a 5% deposit without paying Lenders Mortgage Insurance. Places are limited each financial year — we help you secure one.