First Home Buyers Grant South Australia: What You Need to Know | FHBA

 Buying your first home is an exciting milestone—but it’s also one of the biggest financial decisions you’ll ever make. Fortunately, if you’re a first-time buyer in South Australia, you could be eligible for a helpful boost in the form of the First Home Buyers Grant.

Whether you're still saving a deposit, exploring suburbs, or ready to buy, this guide will explain exactly how the First Home Buyers Grant in South Australia works, who’s eligible, how much you can get, and how First Home Buyers Australia can help you every step of the way.




What Is the First Home Buyers Grant in South Australia?

The First Home Buyers Grant South Australia is a one-off payment designed to assist eligible first-time buyers with the purchase or construction of a new residential property.

The grant is offered by RevenueSA and is currently set at:

  • $15,000 for eligible applicants

  • Property value must be $650,000 or less

Unlike some other states, South Australia only offers the FHOG for new homes, which includes:

  • New builds

  • House and land packages

  • Off-the-plan apartments

  • Substantially renovated properties (in some cases)

If you’re buying an existing home that’s already been lived in, unfortunately, you won’t qualify for the grant.


Who’s Eligible for the FHOG in SA?

To be eligible for the First Home Buyers Grant South Australia, you must meet the following criteria:

  • You’re buying or building a new residential home

  • The home’s market value is $650,000 or less

  • You must be at least 18 years old

  • You (or your partner) have not previously owned residential property in Australia

  • You’re an Australian citizen or permanent resident

  • You must live in the home as your principal place of residence for at least 6 continuous months within 12 months of settlement or completion

If you're purchasing with a partner, both applicants must meet the eligibility criteria.


What Properties Qualify?

To receive the grant, the property you buy must be:

  • A newly built home

  • A substantially renovated home (one that’s effectively new again)

  • Purchased off the plan

  • Owner-occupied within 12 months of completion

Eligible property types include:

  • Detached houses

  • Townhouses

  • Units and apartments

  • Homes built on your own land

If you’re buying land and building, you can apply for the FHOG once construction is complete and the property is ready for occupancy.


How to Apply for the First Home Buyers Grant in SA

You can apply for the grant in two ways:

  1. Through an Approved Agent – Most first home buyers apply via their lender or mortgage broker. This is often the easiest option.

  2. Directly with RevenueSA – If you're not using a lender, you can lodge your application yourself through RevenueSA.

The application must include:

  • A signed contract of sale or building contract

  • Proof of identity

  • Proof of citizenship or residency

  • Evidence of occupancy (later, if required)

Here’s where FHBA makes life easier.


How FHBA Helps First Home Buyers in South Australia

FHBA (First Home Buyers Australia) is a leading organisation dedicated to helping Aussies get into their first homes—whether you're in Adelaide, Mount Gambier, Gawler, or anywhere else in SA.

Here’s how FHBA supports you:

1. Personalised Eligibility Checks

FHBA will confirm if you meet the criteria for the First Home Buyers Grant South Australia and guide you through every step of the application.

2. Low Deposit Home Loans

Don’t have 20% saved? No worries. FHBA connects you with lenders offering low deposit home loans, sometimes as little as 5%, and helps you avoid or reduce Lenders Mortgage Insurance (LMI) where possible.

3. Access to Other Schemes

You may be eligible for additional assistance such as:

  • First Home Guarantee (FHBG)

  • Stamp duty concessions (where applicable)

  • Shared equity schemes

FHBA will make sure you know what’s available and help you access all the benefits you’re entitled to.

4. Property Search Support

Not sure where to buy in South Australia? FHBA provides access to property partners who can help you explore first-home friendly suburbs, assess land packages, and more.

5. End-to-End Support

From pre-approval to settlement, FHBA stays by your side—ensuring you're informed, confident, and financially ready.


Tips to Maximise the FHOG in SA

To get the most from your First Home Buyers Grant South Australia, keep these pro tips in mind:

  • Look for house-and-land packages under $650,000

  • Combine the FHOG with the First Home Guarantee for even greater savings

  • Apply early in the process to have the grant applied toward your deposit

  • Use an FHBA-approved mortgage broker to access exclusive lender offers

  • Plan your budget carefully—factor in costs like legal fees, inspections, and moving

Real-Life Example

Case Study:
Emma, a 27-year-old nurse in Adelaide, worked with FHBA to buy her first home. She had a $30,000 deposit saved. FHBA helped her:

  • Qualify for the $15,000 FHOG

  • Use the First Home Guarantee to avoid LMI

  • Secure a home loan with a competitive rate

  • Buy a brand-new townhouse in a growing suburb

The grant and support from FHBA helped her get into the market faster—without needing to save 20% or rely on her parents.


Ready to Apply? Let FHBA Help

If you’re serious about buying your first home and want to make sure you’re getting every dollar you’re eligible for, talk to the experts at FHBA.

They’ll help you:

  • Understand how the First Home Buyers Grant in South Australia applies to you

  • Navigate government schemes and lender requirements

  • Get pre-approved for the right loan

  • Find the perfect property in your price range

Your first home is closer than you think—and FHBA is here to help make it happen.

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