Achieve Your Homeownership Goals with the South Australia First Home Owner Grant

The South Australia First Home Owner Grant (FHOG) offers financial support for first-time homebuyers who meet specific eligibility criteria, including citizenship and residency requirements. Apply through an Approved Agent or directly with RevenueSA to receive your grant upon settlement or progress payments.

Are you ready to take the exciting step of buying your first home in South Australia? The First Home Owner Grant (FHOG) can provide you with valuable financial support to make your dream a reality. Let’s explore the eligibility requirements and application process to help you kickstart your journey toward homeownership.

Am I Eligible for the First Home Owner Grant?

To qualify for the FHOG in South Australia, you need to meet the following criteria:

  1. Residency Requirements: At least one applicant must be an Australian citizen or a permanent resident. New Zealand citizens holding Special Category Visas may also apply.
  2. Age Requirement: Each applicant must be 18 years of age or older.
  3. Previous Ownership: You or your spouse/domestic partner must not have held a relevant interest in any Australian residential property prior to 1 July 2000, nor occupied a property in which you had a relevant interest for 6 months or longer after that date.
  4. First Home Owner Status: Neither you nor your spouse/domestic partner should have previously received a First Home Owner Grant in any state or territory of Australia.
  5. Principal Place of Residence: All applicants must reside in the purchased home as their principal place of residence for a continuous period of at least 6 months, commencing within 12 months of the settlement date.

It's important to note that companies and trusts are not eligible for this grant.

How to Apply for the Grant

Most applicants apply through an Approved Agent, typically your bank or credit union, who will lodge the application on your behalf. If you’re not using an Approved Agent, you can apply directly through RevenueSA. Applications must be submitted within 12 months of completing the eligible transaction.

When Will I Receive the Grant?

If you apply through an Approved Agent, you could receive your FHOG at settlement for a new home or on the first progress payment for a building contract. If applying directly through RevenueSA, expect payment within five days of approval, provided all necessary documentation is submitted.

Important Considerations

If you purchase a home with the grant and sell it later, you won’t have to repay the grant as long as you lived in it as your principal place of residence for the required period. However, if you fail to meet the eligibility criteria, repayment may be necessary, along with potential penalties.

Navigating the grant application process can be complex, and your situation may require specific considerations. Contact a UNO Broker today for personalised assistance and to determine your eligibility for the First Home Owner Grant. They can guide you through the many aspects to consider when embarking on your homeownership journey.

Source: Revenue South Australia

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Janu Dhayanathan

November 1, 2024
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