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Help to Buy

The Australian Government’s Help to Buy Scheme is a new initiative designed to support more Australians to buy a home. If you’ve saved what you can but are still a little short of being able to buy a home that meets your needs, Help to Buy may be able to bridge the gap.

Whether you're a first-time buyer or someone returning to home ownership, Help to Buy offers support to secure a place to call home. For eligible buyers, the Australian Government will contribute up to 30% (existing homes) or 40% (newly built homes) toward the purchase price.
 

Stamp Duty Concession

If you’re an eligible first home buyer, you’ll pay zero stamp duty when you build or buy a new home. The property value thresholds for stamp duty relief have been removed, which means the stamp duty exemption is now available for all eligible first home buyers who buy a new home (houses, flats, units, townhouses, apartments), an off-the-plan apartment, a house and land package, or vacant land to build a new home.

Regional First Home Buyer Guarantee

A Commonwealth Government initiative to support eligible regional first home buyers purchase a home in regional areas with as little as a 5 per cent deposit and without needing lenders mortgage insurance.

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.

$10,000 Starter Loan

If you’re finding it hard to save enough for the deposit and upfront costs to buy a home, HomeStart’s Starter Loan could provide up to $10,000. The Starter Loan has a seven-year term, with no repayments required or interest charged during those seven years.

First Home Super Saver Scheme

The Federal Government’s First Home Super Saver Scheme allows eligible first home buyers to save money for a home by accessing the voluntary contributions you’ve made to your superannuation fund. 

Family Home Guarantee

A Commonwealth Government initiative to support eligible single parents with dependents to build a new home or purchase an existing home with as little as 2 per cent deposit and without needing lenders mortgage insurance.

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. 

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.

Help to Buy

The Australian Government’s Help to Buy Scheme is a new initiative designed to support more Australians to buy a home. If you’ve saved what you can but are still a little short of being able to buy a home that meets your needs, Help to Buy may be able to bridge the gap.

Whether you're a first-time buyer or someone returning to home ownership, Help to Buy offers support to secure a place to call home. For eligible buyers, the Australian Government will contribute up to 30% (existing homes) or 40% (newly built homes) toward the purchase price.
 

Mob Strong Debt Help

Free legal advice and financial counselling service for Aboriginal and Torres Strait Islander people.

National Debt Helpline

Free advice on how to manage your mortgage, credit card bills and energy bills and other debts.

Avoiding Mortgage Default

Help is available if you are struggling with home loan repayments.

Rights and Protections When Home Building

Information about your rights and how you can exercise them during the building process.

Settling in Australia

Housing Information from the Australian Government's Department of Home Affairs

Stamp Duty Concession

If you’re an eligible first home buyer, you’ll pay zero stamp duty when you build or buy a new home. The property value thresholds for stamp duty relief have been removed, which means the stamp duty exemption is now available for all eligible first home buyers who buy a new home (houses, flats, units, townhouses, apartments), an off-the-plan apartment, a house and land package, or vacant land to build a new home.

It's About the House

Consumer and Business Services has provided this helpful guide to buying or selling a home.

Negotiating with Real Estate Agents

Information about real estate agent obligations, and how to recognise false or misleading claims.

Home Buying Seminars

HomeStart offer free home buyer seminars for first home buyers and existing home owners.

Information for Migrants

Information for people who have recently moved to South Australia and want to buy a home.

Home Buying Process

Read HomeSeeker SA's home buying guide, including information about organising your finance, finding properties, engaging professionals, making an offer and settlement.

How to buy a home

A selection of how-to guides to help you through the house-buying maze.

Budget Planner

Create your own budget using a quick and easy budgeting tool.

How to do a budget

Easy steps to plan and manage how you spend your money including a budget planner spreadsheet.

Saving for a House Deposit

Start saving towards your home deposit by working out how much you need and how long it will take.

Mortgage Calculator

Use this calculator to input your interest rate and see how much your repayments could be. Also work out how much you can borrow and how you can repay your home loan sooner.

Stamp Duty in SA

Use this calculator to determine the stamp duty costs associated with buying a home.

Costs of Buying a Home

Use this calculator to determine the costs associated with buying a home.

Retirement Living

A number of aged care and retirement living options are available, including residential aged care and lifestyle villages.

Alternative Ways to Buy a Home

There are many different ways to buy a home or land including auctions, private treaties, rent to buy and buy-now/build-later options.

Community housing providers

Private Rental Assistance

Commonwealth Rent Assistance (CRA)

National Rental Affordability Scheme (NRAS)

Aboriginal housing support

Disability Housing Support

Housing SA

Public and community housing

Help paying bond and rent

Home Buyer Ready

This free interactive program offered by HomeStart Finance will step you through all of the important aspects of buying your own home, such as how to budget and save for a deposit, understanding the costs involved and how to work out how much you can borrow and what your repayments might be.

Rental Discrimination

If you believe you have been discriminated against based on personal characteristics, you may be eligible to lodge a complaint under the Equal Opportunity Act 1984 (SA).

First time renters information

A guide to renting including tenant and landlord responsibilities, application forms, discrimination, insurance and other advice.

Renting and letting advice

Information about renting in SA, renting privately, bonds, residential parks and other types lodging and boarding.

Renter privacy rights

Information about when a landlord can enter a rental property and how much notice must be given.

RentRight SA

A free independent tenant advisory service to help you maintain your tenancy in private rental, community housing or public housing. RentRight SA can assist with issues relating to leases, bond disputes, property maintenance and unpaid rent.

Simple ways to save money

Tips and tricks to help you save money and achieve your savings goal.

Breaking your lease

Information about how to break your rental lease, including any potential financial implications.

Getting your bond back

A step-by-step guide on how to get your bond back at the end of your lease.

Help to manage your money

Help to manage your money including budgeting, dealing with debt, loans and credit and planning for retirement.

Managing on a low income

Advice to help you become more financially secure and track what's coming in and what's going out.

Caravan park accommodation

Information about renting in caravan parks including forms and fact sheets.

Aged Care accommodation

Learn about the different types of care available, get assessed, find a provider and manage your services at the MyAgedCare website.

Salvation Army Moneycare

The Salvation Army offers Moneycare services which include step-by-step advice on how to manage money problems via their financial coaching, counselling, webinars, financial literacy tips and no interest loan schemes.