Affordable home loans
We believe everyone deserves the chance to own their own home, and for over 35 years we've been helping South Australians achieve that dream. Whether you're starting out on your home ownership journey or starting over, we have a range of options that can help make it a reality.
Services include:
- HomeStart Loan
- Graduate Loan
- Low Deposit Loan
- Starter Loan
- Shared Equity Option
- Advantage Loan
Rent Assistance
A regular extra payment we'll automatically pay you if you pay rent and get certain payments from us. If you're eligible, we may ask you to complete a Rent Certificate or provide a formal tenancy agreement.
Supports include:
- Who can get it
- How much you can get
- How to manage your payment
Assistance for eligible first home owners
The first home owner grant is a one-off payment of up to $15,000 for eligible first home owners by the State Government. It is intended for eligible applicants who are buying or building a new residential property which will be used as a principal place of residence in South Australia.
Services include:
- The purchase or construction of a new home
- An off-the-plan apartment
- A substantially renovated home
- A comprehensive building contract or a contract to build a home
- Owner builders
- Knock-down rebuild projects
Helping South Australians buy an affordable home
HomeSeeker SA is the South Australian Government's sales platform showcasing affordable homes for sale and helpful information on the house buying process. We connect eligible South Australian buyers to affordable homes in metropolitan Adelaide and around the state that are ready to purchase.
Services include:
- Shared equity
- Buying a house-and-land package
- Rent to buy
National Rent Affordability Scheme
The National Affordability Rental Scheme was introduced to increase the supply of affordable rental dwellings. In South Australia, prospective tenants need to contact an NRAS tenancy manager directly to check NRAS dwelling availability. The scheme is winding down in June 2026.
Help paying bond and rent
Before you move into a rental property you may need to pay bond and rent in advance.
Supports include:
- Privately rented accommodation
- Residential parks
- Boarding houses and shelters
- Community Housing
- No premium retirement villages
Housing advice and advocacy
RentRight SA's housing advice and advocacy service is a free, independent service, helping people sustain their tenancies in private rental, residential parks, community housing, rooming houses or public housing. This program is supported by SA Housing Trust.
Supports include:
- Information and advice
- Advocacy and support
- Connection to services
- Extended support
- Face to face appointments and workshops
- Share your experience
Affordable rental properties for individuals on lower incomes
Public housing is housing owned by the Government of South Australia and rented by South Australians. Public housing is for people on low incomes, particularly those who have difficulty accessing and maintaining housing in the private market.