Your First Home Is Closer Than You Think
Buying your first property can feel complicated — grants, stamp duty, deposit sizes, and lender policies all differ from one case to another.
At Jain Home Loans, we simplify it. You’ll get clear numbers, plain explanations, and support in English, Hindi, or Punjabi, so you can make decisions with confidence.
First Home Owner Grant
$15,000 in SA
Up to $15,000 for New Homes
The South Australian FHOG provides eligible first-home buyers a grant for building or buying a new home.
- •Check eligibility based on income, property type, and price cap
- •Guide you through application forms and builder documentation
- •Coordinate with your lender so the grant is paid at settlement
Reduce Your Upfront Costs
From 2024, many first-home buyers in SA are exempt from stamp duty for new homes under the threshold.
- •Check whether your property price qualifies
- •Calculate how much duty you save
- •Estimate total upfront cost including deposit, LMI, and fees
Most Buyers Qualify with 5 to 10 Percent
Standard Deposit
Many first-home buyers qualify with a 5 to 10 percent deposit.
Home Guarantee Scheme
Some programs allow smaller deposits with no LMI.
Lender Options
We match the right lender for your savings and visa type.
We Specialise in Migrant Lending
If you’re on a 189, 190, 801/100 or 186/187 visa, you also qualify for first-home finance. We specialise in migrant lending and know which lenders accept:
Temporary residents
Temporary residents or dual-income households.
Overseas Savings
Overseas savings and family gifts as part of the deposit.
Joint Ownership
Joint ownership with family members in Australia.
Your First-Home Plan
Borrowing Power
Estimate tailored to your income.
Full Cost Summary
Deposit, FHOG, stamp duty, and LMI.
Lender Comparison
Three lender options that fit your profile.
Simple Timeline
From pre-approval to settlement.
Local, Clear, Community Focused
SA-Specific Experience
We handle Adelaide first-home purchases every week.
Community Focus
Over 70 percent of our clients are first-home buyers from Indian backgrounds.
Transparent Guidance
We show real costs, not just rates.
Language Support
English, Hindi, and Punjabi.
Common Questions
Can I get the FHOG if I buy an established home?
Usually no — the SA FHOG applies only to newly built or off-the-plan homes. We will confirm eligibility before you apply.
How soon do I receive the grant?
If you are using it for settlement, the grant is generally paid on the day of settlement through your lender.
Can I use family funds or gifts as part of my deposit?
Yes — many lenders accept family gifts with a simple declaration letter. We guide you through the required paperwork.
Do first-home buyers pay LMI?
Not always. With certain schemes or a 20 percent deposit, LMI can be waived — we will check if you qualify.
What if I am on a visa?
Temporary and PR visa holders often qualify with slightly higher deposits. We match the right lender policy for each visa type.
Ready to Begin?
Call us to discuss your first-home options, or book a 15-minute consultation.