If you want to buy a home, you’ve probably heard of HomeStart. They’re a South Australian government organisation that provides low-deposit loans and other support options to help people break into the property market.
As of the 22nd of January 2026, HomeStart kicked off two major changes, which will affect thousands of buyers across South Australia.
Let’s break it down.
What’s changing with HomeStart?
- The maximum loan amount has increased to $850,000 (from $750,000)
- Modifications to their borrowing capacity calculators will increase users’ capacities by 5-7%, depending on income
How will these HomeStart changes impact buyers?
According to HomeStart, these changes aim to “expand access to a broader range of suburbs” for first-home buyers. If you’re eligible for HomeStart benefits, you could enjoy a larger borrowing capacity, which may bring once-unaffordable suburbs within your reach!
Chat with us to determine your eligibility and create a plan to get into your first home sooner. We’ve worked closely with HomeStart to help thousands of Australians buy their first properties, and we can help you too.
