First Home Buyer SA & Adelaide | Grants Up To $15,000 | Esteb and Co
🏠 First Home Buyers SA

First Home Buyer
Grants & Loans SA

Access up to $15,000 in SA government grants, stamp duty exemptions, and buy with as little as 5% deposit. Your Adelaide or regional SA home starts here.

Check Your Eligibility Call 0424 406 977

Important Information

Esteb and Co provides credit assistance services. We are licensed credit representatives (ASIC Credit Rep #574070) who help you compare loan options from our panel of lenders. We do not lend money directly. All loan approvals are made by lenders, subject to their criteria and responsible lending assessments. Our service is free to you - we receive commissions from lenders. Read our Credit Guide

Up to $15K
First Home Owner Grant
5% Deposit
Via First Home Guarantee
$0 Stamp Duty
Full exemption available

SA First Home Buyer Grants

Up to $15,000

First Home Owner Grant (FHOG)

  • $15,000 for new homes (metro Adelaide)
  • $20,000 for new homes (regional SA) - highest in Australia!
  • Property value up to $650,000
  • Must occupy as principal residence for 12 months
Save $21K+

Stamp Duty Concessions

  • Full exemption up to $650,000
  • Saves approximately $21,000 on a $650K property
  • Applies to new and existing homes
  • Must be first home purchase
5% Deposit

First Home Guarantee

  • Buy with just 5% deposit (no LMI)
  • Adelaide price cap: $600,000
  • Regional SA: $450,000
  • Government guarantees 15% of loan
Bonus

HomeStart Finance

  • SA government low-deposit scheme
  • 3% deposit option
  • Shared equity options available
  • Great alternative to First Home Guarantee

HUGE Savings in Regional SA!

+ $20,000
FHOG (regional SA new home)
+ $21,000
Stamp duty saved
+ $15,000
LMI saved (5% deposit)
$56,000+
Total Savings on a $600K New Home in Regional SA!

SA offers the highest FHOG in Australia for regional areas!

Popular SA First Home Buyer Locations

🏙️ Northern Adelaide

Salisbury, Elizabeth, Gawler, Playford

Median: $400K - $550K

🏘️ Southern Adelaide

Noarlunga, Aldinga, Christies Beach

Median: $450K - $650K

⛰️ Regional SA

Murray Bridge, Mount Gambier, Port Augusta

Median: $300K - $450K
Grant: $20,000!

SA First Home Buyer FAQs

Why is the regional FHOG higher in SA?

SA offers $20,000 for new homes in regional areas (vs $15,000 metro) to encourage growth outside Adelaide. It's the highest FHOG in Australia!

What's HomeStart Finance and should I use it?

HomeStart is a SA government lender offering low-deposit loans (3%) and shared equity schemes. We'll compare HomeStart vs First Home Guarantee vs regular lenders to find your best rate.

Can I still get FHOG for an existing home?

No, SA FHOG is only for new or substantially renovated homes. But you can still get stamp duty exemption and First Home Guarantee for existing homes!

Ready to Buy in SA?

Let's maximize your grants - up to $56,000 in savings!

Check Eligibility Call 0424 406 977

📍 Servicing all of SA - Adelaide, Murray Bridge, Regional SA

Ricky Esteb - Licensed Mortgage Broker
Richard (Ricky) Esteb
Licensed Mortgage Broker & Founder
Credit Rep #574071 ACN 681 636 056 83+ Lender Panel

With direct experience helping Australians secure home loans, car finance, and business funding, Ricky founded Esteb and Co to bring transparency and technology to mortgage broking. Every piece of content is written from real-world lending experience.

✓ Verified & Last Reviewed: December 2025 | Content meets ASIC regulatory requirements
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