Low Income and Low Deposit Home Loans

Everyone deserves the chance to own their home and for 35 years HomeStart have been helping South Australians achieve this dream. They understand that everyone’s circumstances are different which is why they have a range of innovative, low deposit loans and options to boost borrowing power that cater to the diverse needs of our community.

First Home Guarantee

This is a Federal Government initiative which supports eligible first home buyers to build or buy a new home with as little as 5% deposit and without needing lenders mortgage insurance.

Indigenous Home Loans

Simple, affordable, and personalised Indigenous Home Loan products. Additional assistance is also available to customers in remote areas or who are relocating to a remote area. 

First Home Owner Grant (FHOG)

First home buyers may be eligible for the South Australian Government’s First Home Owner Grant. You can receive up to $15,000 if you’re buying or building a new home (house, flat, townhouse, apartment) in South Australia and you’re intending the home to be your principal place of residence. 

Our Partners " />

Our Partners

Development sector and building Industry
Not-for-profit
Finance partners
Renewal SA
PlanSA

While government can help to create the conditions for change, we are working with industry and not-for-profit partners to be part of the solution and help create new types of housing to meet the needs of all South Australians.

About us

Builders and developers " />

Builders and developers

Stable housing is recognised as a key pillar to help South Australians succeed in life. It provides stability in people’s lives, which underpins employment, health, and education.