First home buyer · SA
First home buyer guide for South Australia
Map deposit, South Australian stamp duty relief, grants, and the federal 5% deposit scheme — then confirm every number on RevenueSA and Housing Australia before you exchange.
SA quick reference
Illustrative cheat sheet only — verify on official calculators before exchange.
- FHB stamp duty relief
- By price band
- RevenueSA / Land Services calc
- FHOG (new homes)
- Up to $15,000
- Verify RevenueSA thresholds
- FHBG cap — Adelaide
- $900,000
- Metro
- FHBG cap — other SA
- $500,000
- Regional & other areas
- Typical purchase costs
- ~$12k – $18k
- Excl. duty & LMI
- Cooling-off (private sale)
- 2 business days
- Check contract
- Pre-approval validity
- ~90 days
- Reconfirm before offer
- Genuine savings
- ~5% · 3+ months
- Lender policy varies
Who this helps
- Buyers checking SA stamp duty relief by price band
- Households testing FHBG 5% against Adelaide metro vs regional caps
- Purchasers modelling funds to complete beyond the deposit
- SA buyers who prefer remote broker support Australia-wide
How we work the file
Step 1
Confirm state + federal rules
Check duty and grant pages for your state, then FHBG caps on firsthomebuyers.gov.au for your property area.
Step 2
Model funds to complete
Deposit, duty, grants, LMI (if any), and settlement buffers in one ledger — estimates only until your scenario is assessed.
Step 3
Prepare the lending file
Income evidence, genuine savings story, and lender shortlist. You decide whether to apply.
Responsible lending applies. We do not guarantee approval, grants, stamp duty outcomes, or scheme eligibility.
Official SA links
Common questions
How does first home buyer stamp duty relief work in SA?
Does South Australia offer a First Home Owner Grant?
What are the SA First Home Guarantee (5%) price caps?
Is this personal credit advice?
Who you are dealing with
Bishnu Adhikari
Mortgage broker, Azure Home Loans — Credit Representative ACR 538895, auth. under ACL 390261, authorised under Yellow Brick Road. Australia-wide, including South Australia.
You deal with the same broker from first enquiry through to settlement. First home files turn on deposit, scheme eligibility and lender policy on low deposits far more than on the advertised rate, so the structure is worth getting right before you make an offer.
Responsible lending, plainly
As a credit assistance provider we are required to make reasonable enquiries about your financial situation, requirements and objectives, verify them, and tell you if a loan would be unsuitable for you. Nothing on this page is a credit approval, a pre-approval, or an offer of finance. Grant and concession eligibility is decided by the relevant government body, and approval is always the lender's decision — neither is guaranteed.
South Australia duty concessions, grants and price caps change with state and federal budgets. Confirm every figure on the official sites above before you exchange, and speak to a broker when you want them checked against your file.
Related hubs
Important information
The information on this website is general in nature only. It does not take into account your objectives, financial situation, or needs, and you should consider whether it is appropriate for you before acting on it.
Credit assistance and lending are subject to lender assessment, terms, conditions, fees, charges, and eligibility criteria. A loan product that suits one borrower may not suit another.
You should consider obtaining independent legal, financial, and taxation advice before making decisions about credit or property.
First home buyers
Funds to complete worksheet
Enter a purchase price and deposit for an illustrative total — duty and LMI are estimates only. Confirm with your state revenue office and broker before you exchange.
$158,500
Illustrative funds to complete (not a quote)
Ready to map a SA first-home pathway?
Bishnu Adhikari — call 0400 77 77 55 or send an enquiry. General information only.
Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.