South Australia Home Loans, November 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.
About these dates
Live rates updated 5 November 2026. Verified snapshot dated 4 November 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.
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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.
What changes when you compare home loans in South Australia
Compare home loans in South Australia using the same loan amount, deposit, repayment type and features. Check the lender's eligibility requirements as well as the interest rate, comparison rate and fees. A published rate is not a personal loan approval.
Upfront costs and home buyer assistance can differ by location. Check each grant or duty concession separately: availability depends on the scheme's current rules and your circumstances. Benefits are not automatically available together. The Australian Government 5% Deposit Scheme has its own eligibility rules, location-based property price caps and participating-lender assessment. Check the official sources linked below before including assistance in your purchase budget.
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.
For a regional SA refinance, compare published interest rates, comparison rates and fees. The rate and loan available to you depend on the lender's assessment, your deposit, the property and the loan features. A comparison table is not a personal loan offer.
Source: Housing Australia, regional centre price caps. Verified 2026-09-06.
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).
Source: firsthomebuyers.gov.au · Verified September 2026
First home buyer benefits in South Australia
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?
Compare offers in Adelaide and regional SA using the same loan amount, deposit, repayment type and features. Check the lender's product eligibility and your individual offer rather than assuming every buyer receives the same rate. Location can also affect government scheme property price caps and access to state assistance. Check the official scheme sources for the property you are considering.