First home buyer mortgage broker in Adelaide.
We check every grant, concession and deposit scheme you may qualify for, then compare 40+ lenders to find a loan that fits how you earn and save.
George Karpathakis, Co-Founder & DirectorYour enquiry comes straight to our team. We usually reply within one business day.
How we help first home buyers in Adelaide
Lenders treat deposits, genuine savings, gifted funds, HECS debt and probation periods differently, so the right lender for one buyer can be the wrong one for another. Before you start making offers, we work out how much you can borrow, which lenders suit your situation and what government support applies to the property you want to buy.
First home buyer support in South Australia
- New homes, off the plan and house-and-land: eligible first home buyers pay no SA stamp duty and may receive the $15,000 First Home Owner Grant, with no property value cap.
- Established homes: there is no SA grant or stamp duty relief, so standard duty applies.
- Federal 5% Deposit Scheme: buy with a 5% deposit without paying LMI. Since 1 October 2025 there is no income test or limit on places. The price cap is $900,000 in Adelaide and $500,000 in the rest of SA.
Eligibility criteria apply and these settings change, so we confirm what applies to you against current RevenueSA and Housing Australia rules. The detail is in our guide to SA first home buyer grants and stamp duty, and you can estimate duty with the SA stamp duty calculator.
Pre-approval before you bid
Many Adelaide homes sell at auction or through short campaigns. A pre-approval gives you a working budget and shows agents you are ready to move. We arrange it with a lender suited to your circumstances and keep it current while you search. If you plan to bid, read buying at auction first.
Who you'll work with
You deal with one broker from the first call to settlement: George Karpathakis or Tony Santoro, both based at our Thebarton office. Meet us in person, or do the whole process by phone and video.
From first call to your keys.
Game plan call
We talk through your income, savings, deposit and the kind of home you want.
Borrowing power and schemes
We estimate what you can borrow and check grants, duty relief and the 5% Deposit Scheme.
Compare and pre-approve
We compare 40+ lenders, recommend one in writing and arrange pre-approval.
Offer to settlement
Once you buy, we handle formal approval, the lender and settlement.
Rated 5.0 on Google.
Tony Santoro made the process of buying a house incredibly easy. When a house came up unexpectedly for my husband and I, he was able to get our finance approved quickly and seemingly effortlessly.
Emotionally, he was reassuring, kind and supportive throughout what could have been a very stressful time.
I wouldn’t trust anyone else to do what needed to be done to get us into our first home. If you’re thinking about buying a house or even if you’re unsure whether you can reach out to Tony. He’ll guide you through every step, and I can’t recommend him highly enough!
First home buyer questions.
Start your first home plan.
A free, no-pressure call about your budget, deposit and the schemes you may qualify for.