First Home Buyer in Adelaide

FHOG, stamp duty and the order of operations to actually get the keys. SA has its own grant rules and timing pitfalls - get the sequence right or leave money on the table.

Typical cost

$550K - $700K

land + build for first home buyer entries (2026)

Typical timeline

12 - 18 months

from initial enquiry to keys, FHB pathway

Walk the FHB pathway with us First home buyer guide (Adelaide)

What this means in practice

FHB grant eligibility

This journey suits you if

FHB grant eligibility
Lower deposits with first-home schemes
Northern growth corridor

What goes wrong most

FHOG eligibility traps (residency, contract date)
Stamp duty thresholds
Contract sign vs settlement timing

How it actually unfolds

The steps that move the needle. We sit beside you on each one.

1
Confirm FHB grant + scheme eligibility
FHOG SA, stamp duty concessions, federal first-home schemes. Eligibility depends on contract date, value and residency.
2
Pre-approval
Lenders treat H&L and existing-home FHB applications differently. Get a broker who has done both.
3
Pick the right builder for FHB
Some builders specialise in FHB packages with fewer upgrades and locked inclusions. Better fit, fewer surprises.
4
Contract and lodgement
FHOG is lodged at contract sign or settlement (depending). Get this right - it is a 5-figure number.
5
Build and keys
Standard build process applies once contract is locked. We sit beside you.