Keys to SA
A first home buyer course built only for South Australians. Learn exactly how the SA grants, the stamp duty exemption, HomeStart and the federal schemes fit together, so you walk into your first purchase knowing precisely what you qualify for.
Everything a South Australian first home buyer needs, in one place
- Six self paced modules built only around South Australian rules
- Plain English breakdowns of every SA and federal scheme
- Checklists to map which forms of help you may qualify for
- How to combine the grant, the stamp duty exemption and a low deposit
- Lifetime access, with updates as the rules change
- Guidance written by a licensed South Australian mortgage broker
Registering your interest does not commit you to anything and is not a purchase. Course content is general education only and is not financial advice.
A preview of what is inside
South Australia plays by its own rules
Most first home buyer advice online is written for the eastern states, and it quietly gives South Australians the wrong picture. The grant works differently here, the stamp duty exemption works differently here, and there is a state owned lender that exists nowhere else.
South Australia removed the price cap on the First Home Owner Grant, offers a full stamp duty exemption on eligible new homes with no price cap, and has HomeStart Finance, a lender owned by the state government that never charges lenders mortgage insurance. Stack the federal schemes on top and the support available to a South Australian first home buyer is one of the strongest packages in the country. Keys to SA teaches you how all of it fits together before you sign a contract, because the order you do things in can change what you receive.
Six modules, built around your situation
How buying your first home in South Australia differs from every other state, and what that means for you.
Who qualifies for the First Home Owner Grant, what counts as a new home, and how the claim works.
Why the saving on an eligible new build can be worth more than the cash grant itself.
Low deposit loans, the Graduate Loan, and the Shared Equity Option from the state owned lender.
The First Home Guarantee, the Family Home Guarantee, Help to Buy, and the First Home Super Saver Scheme.
How to combine the right support for your circumstances, and the sequence that protects every benefit.
The South Australian support, at a glance
Here is a quick look at the help the course covers in full. The detail, the eligibility tests, and how to combine them are what you work through inside Keys to SA.
| Support | What it does |
|---|---|
| First Home Owner Grant | Up to $15,000 on an eligible new home, with no property price cap. New homes, off the plan and house and land packages only |
| Stamp duty exemption | No stamp duty for eligible first home buyers on a new home, with no price cap. The saving scales with the price of the build |
| HomeStart Finance | State owned lender with no LMI on any loan, low deposit options, and a Shared Equity Option that can lift your budget |
| First Home Guarantee | Buy with a 5 percent deposit and pay no LMI. SA caps are $900,000 in Adelaide and large regional centres, $500,000 elsewhere |
| Help to Buy | Shared equity with the federal government, which reduces the size of your loan. Income and place limits apply |
The grant is a fixed $15,000, but the stamp duty exemption scales with the price of an eligible new home, so the duty saving can be worth more than the grant. Looking at the full picture, rather than the cash alone, is what changes the decision.
Keys to SA is an education course. The home loan side of what we do for first home buyers is separate, and as a first home buyer that part is generally free to you, because the lender pays the broker. There are no upfront broking fees to you for the loan advice and application work.
Built for South Australians buying their first home
Keys to SA is for you if you live in South Australia and you are planning to buy or build your first home, whether that is next month or next year. It suits buyers who want to understand the rules themselves rather than guess, and who would rather know what they qualify for before they fall in love with a property. You do not need any finance background. Everything is explained in plain language, step by step.
Be first in line for Keys to SA
Enrolments are opening soon. Register your interest now and you will be the first to hear when places become available.
Register My InterestBefore you register
General information only. Keys to SA is an educational course and the information on this page is general in nature. It is not financial advice, a quote, or a guarantee, and your personal circumstances have not been considered. Grant amounts, price caps, eligibility criteria, scheme places and HomeStart product terms change and vary by circumstance, and some forms of help apply only to new homes. Eligibility for the First Home Guarantee, Family Home Guarantee, Help to Buy and the First Home Super Saver Scheme is subject to separate criteria and limits. Always confirm current grants and your eligibility with RevenueSA, HomeStart, Housing Australia, or a licensed mortgage broker. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.