Newcastle Permanent Building SocietyPremium Plus Package Variable Home Loan Principal and Interest
VariableOffsetRedraw
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Est. repayment
$2,978
LVR ≤80%
South Australia Home Loans, September 2026
Compare owner-occupier home loans for South Australia. Check each product’s interest rate, comparison rate, fees and eligibility, then explore the grants and concessions for buyers in Adelaide and regional SA.
RBA cash rate 4.35%(effective 12 August 2026)·As at ·4,062 products·85+ Australian lenders
About these dates
Live rates updated 21 September 2026. Verified snapshot dated 27 August 2026 is used only for promoted 80% LVR claims, not as a second table date. Live figures change as lenders publish. The verified snapshot is the dated 80% LVR matrix used for promoted claims.
Sorted by comparison rate9 products shown
Interest
6.19%p.a.
Comparison*
6.31%p.a.
Est. repayment
$3,059
LVR 60 to 80%
Interest
6.49%p.a.
Comparison*
6.13%p.a.
Est. repayment
$3,157
LVR ≤80%
Interest
6.19%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,059
LVR not stated
Interest
6.39%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.39%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,124
LVR 70 to 80%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Buying in SA
What changes when you compare home loans in South Australia
The lenders on this page price nationally, your interest rate is the same buying in Adelaide as it is anywhere else. What does change is the cash going in. First home buyers in SA can combine the $15,000 First Home Owner Grant with the state stamp duty concession (full exemption on new homes and vacant land to build a new home, no property value cap, for contracts from 6 jun 2024 (the prior caps of ≤ $650,000 for homes and ≤ $400,000 for land applied only to contracts from 15 jun 2023 to 5 jun 2024)) and the federal Home Guarantee Scheme cap of $900,000 (Adelaide) / $500,000 (rest of SA). Those three together can shift your minimum deposit by tens of thousands without ever touching the rate column above. HomeStart Finance also runs in SA for eligible buyers, see the panel below.
Buying to live in yourself? See South Australia owner-occupier home loans. Buying to rent out? See South Australia investor home loans for the loan features and rate spread specific to landlords.
Shopping by deposit size instead? South Australia owner-occupier rates are broken out at 80% LVR (no LMI), 90% LVR (LMI required), 95% LVR (Home Guarantee Scheme eligible), and South Australia investor rates the same way at 80% LVR (no LMI), 90% LVR (LMI required), 95% LVR (Home Guarantee Scheme eligible).
Source: RevenueSA · Verified September 2026. Cap data from Housing Australia. See also our stamp duty calculator.
SA first home buyer concessions at a glance
| First home owner grant | $15,000 |
|---|---|
| Stamp duty concession | Full exemption on new homes and vacant land to build a new home, no property value cap, for contracts from 6 Jun 2024 (the prior caps of ≤ $650,000 for homes and ≤ $400,000 for land applied only to contracts from 15 Jun 2023 to 5 Jun 2024). |
| Home Guarantee Scheme cap | $900,000 (Adelaide) / $500,000 (rest of SA) |
| SA government scheme | HomeStart Finance |
How can I compare home loan rates in South Australia?
Compare the interest rate and comparison rate for the same loan, then check fees, repayment type and features such as offset or redraw. A comparison rate helps compare costs, but the loan amount, term and eligibility also matter. Use the repayment calculator to explore repayments for your loan amount and term.
Home loans outside Adelaide
Unlike New South Wales, Victoria and Queensland, South Australia has no regional centres named on the Home Guarantee Scheme’s price-cap list. That means a buyer in Mount Gambier, Whyalla or Murray Bridge sits on the same flat $500,000 cap as the rest of regional SA, with no carve-out for size or distance from Adelaide the way Newcastle, Geelong or the Gold Coast get one in their own states. Only Adelaide gets the higher $900,000 cap, a straight capital-versus-everywhere-else split with no exceptions. Rates themselves aren’t affected either way, lenders price a loan the same regardless of postcode, so a regional SA refinance sees the exact same comparison-rate table above as an Adelaide one.
Source: Housing Australia, regional centre price caps. Verified 2026-09-06.
Federal scheme · Available nationwide
Australian Government 5% Deposit Scheme, no LMI
Buy a home with as little as a 5% deposit without paying Lenders Mortgage Insurance, the federal government guarantees the rest. Since 1 October 2025 the scheme has unlimited places, no income caps, and significantly higher property caps. The property must be your principal place of residence (no investors).
First home buyers
5% deposit, no LMI
Scheme places
Unlimited, no waiting list
Single parents
2% deposit, no LMI
Source: firsthomebuyers.gov.au · Verified September 2026
Your state, pick to see grants & concessions
State schemes · South Australia
First home buyer benefits in South Australia
First Home Owner Grant (FHOG)
$15,000, Buying or building a new home (newly constructed or substantially renovated). No property cap as of recent updates.
Stamp duty concession
Full exemption on new homes and vacant land to build a new home, no property value cap, for contracts from 6 Jun 2024 (the prior caps of ≤ $650,000 for homes and ≤ $400,000 for land applied only to contracts from 15 Jun 2023 to 5 Jun 2024).
5% Deposit Scheme property cap
Maximum property price for the federal 5%-deposit scheme in South Australia: $900,000 (Adelaide) / $500,000 (rest of SA).
State program, HomeStart Finance
SA-government-owned lender. Low-deposit home loans (typically 3% deposit) for eligible South Australians. Several products including a Graduate Loan and Advantage Loan. Visit HomeStart Finance →
Source: RevenueSA · Verified September 2026. Grant amounts and property caps change, confirm with the linked source before applying.
Want help stacking these schemes for your scenario? Talk to a broker →
South Australia home loan FAQs
What are the lowest home loan rates in South Australia?
Compare the interest rate and comparison rate for each product in the South Australia table, along with fees, repayment type and eligibility. The lowest advertised rate is not necessarily the lowest total cost for your loan. Grants and concessions for SA have separate eligibility requirements.
What is the First Home Owner Grant in SA?
SA's First Home Owner Grant is $15,000. Buying or building a new home (newly constructed or substantially renovated). No property cap as of recent updates. It's paid in addition to any rate you secure on the comparison table above, see RevenueSA for the current eligibility detail.
Do first home buyers pay stamp duty in SA?
Full exemption on new homes and vacant land to build a new home, no property value cap, for contracts from 6 Jun 2024 (the prior caps of ≤ $650,000 for homes and ≤ $400,000 for land applied only to contracts from 15 Jun 2023 to 5 Jun 2024). These concessions can be worth more than a small difference in interest rate, so factor them into your total cost, not just the headline rate. Authority: RevenueSA.
What is the Home Guarantee Scheme property price cap in SA?
$900,000 (Adelaide) / $500,000 (rest of SA) Under the federal Home Guarantee Scheme, eligible buyers in SA can purchase under that cap with as little as a 5% deposit and no Lenders Mortgage Insurance, the government guarantees the difference. It works with any lender on the scheme's panel, including several on the table above.
What SA government home buyer support is available?
HomeStart Finance: SA-government-owned lender. Low-deposit home loans (typically 3% deposit) for eligible South Australians. Several products including a Graduate Loan and Advantage Loan. It can be combined with a competitive rate from the table above. Check current eligibility before you apply.
What is the Home Guarantee Scheme price cap outside Adelaide?
South Australia has no regional centres named on the scheme's list, so a buyer in Mount Gambier, Whyalla or Murray Bridge sits on the same flat $500,000 cap as the rest of regional SA, with no exception for size or distance from Adelaide. Only Adelaide gets the higher $900,000 cap.
Do home loan rates differ between Adelaide and regional SA?
No. The lenders on this page price nationally, so a buyer in regional SA is offered exactly the same rate as one in Adelaide. What does differ by location is eligibility for the Home Guarantee Scheme's regional-centre price cap, and in some states, a region-specific first home buyer program, both covered above.