The First Home Owner Grant is a state government payment available to eligible first home buyers in South Australia. Here is what the grant covers, who qualifies, and how to claim it as part of your home purchase.
The South Australian First Home Owner Grant is a one-off payment from the state government to eligible first home buyers who are building or purchasing a newly built home. The grant is designed to help first buyers with upfront costs and is paid at settlement or the first progress payment for a construction loan.
The grant amount and eligibility criteria are set by the South Australian government and are subject to change. Lendology confirms the current amount and your eligibility as part of your application preparation.
To be eligible for the SA First Home Owner Grant you must be a natural person (not a company or trust), be an Australian citizen or permanent resident, be purchasing or building your first home in Australia, occupy the property as your principal place of residence within 12 months of settlement or construction completion, and the property must meet the relevant property value cap.
All applicants on a joint application must meet the eligibility criteria. If one applicant has previously owned residential property in Australia, the application may not qualify.
The First Home Owner Grant in South Australia is only available for newly built properties — this includes purchasing a new home that has never been occupied, entering a contract to build a new home, or purchasing an off-the-plan property that will be newly built.
It is not available for established (previously occupied) properties. If you are purchasing an established home, you may still be eligible for stamp duty concessions — which are a separate benefit.
The grant is typically claimed through your lender or conveyancer at settlement. When you apply for a home loan through Lendology for a qualifying new build purchase, we coordinate the grant application as part of the process — you do not need to approach RevenueSA separately in most cases.
Yes, in many cases. The First Home Owner Grant (state) and the First Home Guarantee (federal) serve different purposes and can be combined for eligible new build purchases. Lendology confirms which combinations apply to your situation.
It depends on timing and your lender's requirements. In some cases the grant can be used as part of your deposit if the timing works. We clarify this with your specific lender during the application process.
The value cap is set by the South Australian government and applies to the total value of the property including land. The current cap should be confirmed with Lendology or RevenueSA as part of your application, as it is subject to government review.
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