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First home buyer loans Adelaide

Stop renting.
Start owning.

Lendology helps Adelaide first home buyers access the $15,000 SA grant, zero stamp duty on new builds, and the First Home Guarantee - all in one conversation.

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Last reviewed: June 2026
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SA first home buyer support 2026

More support available now than
ever before.

Between federal and state government support, eligible SA first home buyers buying a new home can access a $15,000 grant, zero stamp duty and the ability to buy with a 5% deposit and no LMI. Lendology identifies which combinations apply to your situation and manages every application.

$15k
SA First Home Owner Grant for eligible new build purchases. Source: RevenueSA
$0
Stamp duty for eligible FHB on new homes in SA. No price cap. Source: RevenueSA
5%
Minimum deposit via First Home Guarantee. No LMI payable. Source: Housing Australia
60+
Lenders Lendology compares - including all First Home Guarantee participants
Available schemes

SA government support - what's available and what's changed

Eligibility criteria, amounts and caps change regularly. The information below is current as at June 2026 - Lendology confirms your specific entitlements as part of every first home buyer assessment.

SA State - New builds only
First Home Owner Grant - $15,000
A one-off $15,000 payment from the SA Government for eligible first home buyers purchasing or building a new home. The property price cap was removed in June 2024 - the grant now applies regardless of purchase price. The home must be newly built and never previously occupied. You must occupy it as your principal residence for at least 6 months within 12 months of settlement. Not available for established homes. Source: RevenueSA
SA State - New builds only
Stamp duty concession - Zero stamp duty
Eligible first home buyers in SA pay zero stamp duty on new home purchases. No property price cap applies for contracts entered into from 6 June 2024. The full stamp duty exemption applies to new homes only. For established homes, a separate concession applies: full concession on purchases up to $560,000, with a partial concession tapering to $700,000. The FHOG and stamp duty concession are separate and require separate applications. Source: RevenueSA
Federal - New and established homes
First Home Guarantee - 5% deposit, no LMI
A federal government scheme allowing eligible first home buyers to purchase with a 5% deposit. The government guarantees 15% of the loan value, eliminating LMI. As of 1 October 2025: no income caps, no limit on places. SA price cap $900,000 for Adelaide and regional centres. Available for new and established homes. Must apply through a participating lender. Source: Housing Australia
Federal - Single parents
Single Parent Stream - 2% deposit
Eligible single parents or legal guardians with at least one dependent child can purchase with a 2% deposit. The government guarantees 18% of the loan. No LMI payable. Unlimited places (no waiting list). No income caps (from October 2025). Available to both first home buyers and previous owners. Source: Housing Australia
How it works

From first chat to keys - what Lendology does

1
No-obligation eligibility and strategy session
We review your deposit, income, property goals and eligibility for every available grant and scheme. We tell you exactly what you can access and what your realistic budget is across our lender panel.
2
Loan comparison across 60+ lenders
We identify the right loan - rate, features, lender policy and which lenders participate in the First Home Guarantee. Not every participating lender is equal - we find the best fit for your situation.
3
Pre-approval
We lodge your pre-approval so you can bid at auction or make offers knowing your finance is in place. A Lendology pre-approval is from a real lender - not a vague estimate.
4
Grant and scheme applications
We coordinate your First Home Owner Grant, stamp duty concession and First Home Guarantee applications simultaneously - so nothing is missed and nothing is delayed.
5
Formal approval and settlement
Once you have a signed contract we move to formal approval. We liaise with your lender, conveyancer and settlement agent - and are available on settlement day if anything needs resolving.
Google reviews

115 five-star Google reviews

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Go deeper

Guides and calculators

Guide
First Home Guarantee - the complete guide for 2026
→
Guide
First Home Owner Grant SA - eligibility and how to claim
→
Guide
First home deposit guide - how much do you actually need?
→
Guide
What is LMI and how do you avoid it?
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Guide
SA stamp duty - what first home buyers pay in 2026
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Blog
Can I buy a house on one income in Adelaide?
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Blog
Is now a good time to buy your first home in Adelaide?
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Blog
Renting vs buying in Adelaide - should you make the switch?
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Blog
Will Adelaide house prices drop in 2026?
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Guide
First home buyer guide - download
→
Answer
What is the First Home Guarantee?
→
Calculator
Stamp duty calculator - SA and all states
→
Calculator
LMI calculator - estimate your premium
→
Calculator
Repayment calculator
→
Case study
5% deposit - first home buyer Adelaide
→
Common questions

First home buyer FAQs

How much deposit do I need as a first home buyer?
The minimum deposit depends on which pathway you take. The federal First Home Guarantee allows eligible buyers to purchase with a 5% deposit with the government guaranteeing 15% - meaning no LMI. Without the guarantee, most lenders charge LMI on deposits below 20%. Some government schemes allow deposits as low as 2-5% without LMI. Lendology assesses which pathway suits your situation.
Can I get the SA First Home Owner Grant and the stamp duty concession together?
Yes, in many cases. The $15,000 First Home Owner Grant (for new builds) and the stamp duty concession are separate benefits administered by RevenueSA, and eligible buyers can access both simultaneously. Lendology coordinates both applications as part of your loan process. Eligibility criteria apply to each - confirm your specific situation with Lendology.
Is the First Home Owner Grant available for established homes?
No. The SA First Home Owner Grant is only available for newly built properties that have never been occupied - this includes new house and land packages, off-the-plan apartments, and contracts to build. If you are purchasing an established home, the grant is not available, but you may still be eligible for the stamp duty concession for new builds only. Eligibility criteria apply.
What is the First Home Guarantee?
The First Home Guarantee is a federal government scheme administered by Housing Australia. It allows eligible first home buyers to purchase with a 5% deposit, with the government guaranteeing 15% of the loan value. This eliminates the need for Lenders Mortgage Insurance. As of 1 October 2025 there are no income caps and no limit on places. The SA price cap is $900,000 for Adelaide and regional centres. Applications are made through a participating lender - Lendology manages this process.
How long does the first home buyer process take?
From your first chat with Lendology to pre-approval is typically 3 to 7 business days depending on document availability. From a signed contract of sale to settlement is usually 4 to 6 weeks. Lendology coordinates the grant applications, loan application and lender liaison throughout the process.