Stop renting. Start owning. HomeStart can get you there with as little as 2% deposit.
Here's the problem: Whilst you're saving for a 20% deposit, house prices keep climbing. You're stuck on a treadmill that's getting steeper every month.
HomeStart Finance changes the game for South Australian first home buyers. I'm your local specialist mortgage broker, and I'll show you exactly how to qualify—then handle everything to get you approved and into your own home.
This isn't theory. This is how South Australians with limited savings actually stop renting and start building equity.
Why HomeStart exists (and why most people don't know about it)
The South Australian Government created HomeStart to solve one specific problem: good people with stable jobs who can afford mortgage repayments but can't save fast enough for traditional deposits. They have helped over 90,000 South Australians find a home of their own.
HomeStart lets you buy with deposits as low as 2%–5%. No lenders mortgage insurance. No massive upfront costs. Just a clear path from renting to ownership.
The catch? HomeStart has strict eligibility criteria, complex application processes, and loan products most brokers don't properly understand. That's where I come in.
HomeStart loan options I can secure for you
Graduate Loan – 2% deposit
Got a Certificate III or higher and working in your field? You could be approved with just a 2% deposit. This is the fastest route from rental to ownership for qualified South Australians.
Starter Loan – 3% deposit
Lower income? No problem. The Starter Loan is designed specifically for first home buyers earning under the income caps. Deposit as low as 3%, with shared equity options available.
Advantage Loan – 5% deposit
More flexible income and property price limits. If you don't qualify for Graduate or Starter loans, Advantage can still get you in with just 5% deposit.
Breakthrough Loan – Shared Equity
HomeStart contributes up to 25% of the purchase price alongside your deposit. You own the home, live in it, and buy back HomeStart's share when you're ready.
Why you need a specialist broker for HomeStart
HomeStart applications aren't straightforward. Different loan products have different income caps, property price limits, and eligibility requirements. One wrong choice or incomplete application can cost you months of delays—or outright rejection.
I know exactly which loan product fits your situation, which documentation HomeStart actually needs, and how to present your application to maximise approval chances.
Here's what I handle:
Eligibility assessment – I'll tell you immediately which HomeStart products you qualify for
Income verification – Complex income? I'll structure your application so HomeStart sees the full picture
Documentation strategy – Getting the paperwork right first time, not the third time
Application submission – Presented professionally to avoid delays or rejections
Approval follow-through – I stay on top of HomeStart until you've got unconditional approval.
The real cost of waiting
Every month you delay is another month of rent you'll never see again. Every year house prices climb is another year the deposit goalposts shift further away.
HomeStart applications take time. Starting today means you could be in your own home within 3–4 months. Starting next year means another 12 months of rent payments building someone else's equity.
Here's what makes me different
I'm legally obligated to work in your best interests—not HomeStart's, not the government's. That means I'll aggressively advocate for your application, find creative solutions when your situation doesn't fit the standard box, and make absolutely certain you're getting the loan product that actually serves your goals.
I've also got access to 35+ other lenders. Sometimes HomeStart isn't your best option. Sometimes a traditional lender with different policies will give you better terms. I'll compare everything and tell you honestly which path gets you into homeownership fastest.
No jargon. No runaround. Just strategic advice that gets you out of rental and into your own home.
Stop paying someone else's mortgage
You're already proving you can afford mortgage repayments—you're paying rent every month. HomeStart just levels the playing field so your income goes toward building your own wealth instead of your landlord's.
One conversation to find out if you qualify. One application to change your life.
I'll assess your eligibility, explain exactly which HomeStart loan suits your situation, and handle the entire application process. If HomeStart isn't right for you, I'll find the lender who is.
Your own home is one conversation away.
Ready to take control—make a booking that suits your diary below and we can get things moving.
I can come to you, or we can meet via a video call or FaceTime. It's up to you.