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Adelaide Office: Shop 25/429 Montague Road

Modbury North, 5098

Melbourne Office: The Parque, Unit 231/555 - 557 St Kilda Rd

Melbourne, Vic 3004

(08) 8263 4009

Enquires & Customer Support

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Buy Your First Home In Adelaide

Adelaide First Home Buyers helps first home buyers to get into the property market in South Australia. We help you with flexible deposit options to purchase affordable, quality, full turn-key house and land packages. Or if you're buying existing, we'll help you with how much to offer and give you the upper hand on other buyers with access to the exact same data real estate agents use to price a property! Register for our upcoming Free First Home Buyer Workshops to learn more!
Grants & Incentives
Up to $50,000 in grants, bonuses and incentives available for Adelaide first home buyers
Get A Loan
Learn how much you can borrow and how to take advantage of the grants and bonuses available.
New 0% Deposit Loan
We're excited to release our new 0% deposit option for qualified first home buyers in Adelaide!

Ready? 3 Easy Steps To Your First Home


First, we'll help you work out how much you can borrow and which bank will give you the best deal. We'll also help you calculate how much in bonuses and incentives you're eligible for.

Choose Your Suburb

Next, we help you find the perfect suburb for your first home, including providing you with the suburb reports that real estate agents use to calculate how much properties are worth!

Chose Your Home

Finally, we'll work with SAs leading builders to find you the perfect house and land package OR we'll help you negotiate with real estate agents if you're buying an existing property for sale.

Thinking about buying established?

You’ve found the perfect house, but the agent has listed it with a $20,000 price range differential. Should you offer the minimum (and risk losing the property to a higher bidder) or the maximum (and risk paying too much!)???

How Much to Offer on Home

Buy with confidence! When you work with one of our First Home Buyer Coaches, you’ll get access to the exact same property and suburb reports that real estate agents use to come up with a listing price.

The Report Will Show You:

With exact data that other buyers likely won’t have, you can make an informed decision on what to offer. Don’t risk paying tens of thousands of dollars too much!

Thousands In Bonuses Could Be Yours!​

We connect Adelaide first home buyers with builders, developers and local council areas to access a range of grants, bonuses and incentives. One of our builders even offers cash rebates on selected off-market blocks of land.

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From The Builder
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First Home Owner Grant
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HomeBuilder Grant
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Potential Grants & Bonuses

Loans For First Home Buyers

Your First home Buyer coach will canvas the best banks for your situation and help you narrow down to a small group of home loan options that suit your scenario. We’ll help you understand hidden fees and which type of loan structure to use, which together with a fantastic interest rate, can save you tens of thousands of dollars.

We’re pro’s at finding great deals for first home buyers like you and have helped SA home owners with over $180 million in home loans.
We deal with all the major banks and specialist lenders such as Homestart. We even have our own loan products with interest rates often far lower than the big 4 banks.
ZERO deposit home loans for uni graduates. Yes, that’s right, ZERO deposit! Are you a University graduate? Contact us to find out if you qualify!
Customer Reviews

We send each client a request for an honest Google review after each appointment because we value all feedback (positive and constructive). Here below are a selection of recent customer reviews.

As promised they handled almost everything for me, aside from signing the contracts. I currently have full approval through Homestart and finished picking fixtures, paint, etc with lodge today. I have and will continue to recommend Nieuvision to friends and family, and I look forward to working with you again in the future. Thank you
Google Review
Very helpful and easy to deal with. Good customer service and explain things and do not rush their customers. Highly recommended.
Google Review
Rick & his team genuinely care about getting the best outcome. I've secured my financial future thanks to their 1-stop shop.
Cain Gava
Client Google Review
Rick Nieuwenhoven
CEO, Mortgage Broker
Karyn Reddick
Home Loan Specialist
Jessica Crannaford
Client Support
Blake Crannaford
Client Support

House & Land Packages Adelaide​

Thinking of buying a house and land package but new to building a home?

Let us help you pick the ideal area to build (new development or inner suburban locations such as a recently sub divided block).

We’ll also help you negotiate a fixed price house and land package with our panel of Adelaide’s leading builders.

In fact, hidden fees and variations in build contracts can cost $10,000 or even $20,000 in additional fees. We take all the risk out by negotiating a fixed price package for you.

Take a look at some popular areas we help first home buyers to build…


Bluestone, Mount Barker

Just 30 minutes from the city, Bluestone offers an outstanding lifestyle just minutes from fantastic local schools, shopping, parks, facilities and dining. Bluestone intends to be the benchmark for modern and sustainable communities in Australia with a strong focus on modern housing design.

House & Land packages starting (turn key, 3 bed, 2 bath, single garage) from $349,000– deposit as little as $3,000!

Minters Field, Mount Barker

Minters Field, Mount Barker

Just 30 minutes from the city, with the picturesque Adelaide Hills surrounding you, and lush green open spaces on your doorstep, your home at Minters Fields will truly be your haven.


House & Land packages starting (turn key, 3 bed, 2 bath, single garage) from $349,000– deposit as little as $3,000!

Seasons, Mount Barker Map

Seasons, Mount Barker

Seasons brings together all the convenience and vibrancy of town centre living, whilst being its own haven of tranquillity and natural beauty. Hallmarked by a majestic rivergum, a large adjoining nature reserve and a meandering creek, this is where wide-open space and landscaped gardens flourish and a sense of community thrives. This is true Hills living without compromise.


House & Land packages (turn key, 3 bed, 2 bath) starting from $349,000 – deposit as little as $3,000! 2 bed Apartments from $279,000!

Eyre, Penfield Adelaide

Eyre, Penfield

Located in Adelaide’s north, Eyre is created to have 12 parks to bring the community together and to give growing families the space they need to unwind, relax or keep active. For day-to-day needs, there’s a local shopping centre and sporting complex and if you love the outdoors, Eyre has bike paths and nature trails that weave into nearby Smith Creek.


House & Land packages (turn key, 3 bed, 2 bath) starting from $303,500 – deposit as little as $3,000!


St Clair Adelaide

St Clair

A cosmopolitan neighbourhood with a village feel, St Clair is just 8km west of Adelaide’s CBD and 5km from the sea. In the surrounding area, you’ll find West Lakes Mall, Hindmarsh Stadium, North Adelaide, and the reinvigorated Port area plus schools, golf courses, cinemas, medical services and more.


House & Land packages (turn key, 3 bed, 2 bath, single garage) starting from $445,000 – deposit as little as $7,000!


(08) 8263 4009

Clovercrest Plaza, 429 Montague Rd, Modbury North SA 5092

Frequently Asked Questions

First Home Owner Grants, Bonuses & Concessions

Since 2000 Federal and State Governments have offered first time home owners financial assistance by way of grants to assist in the purchase of their first home. The actual eligibility criteria to qualify for a First Home Owner’s Grant (FHOG) varies from state to state, and so does the amount available. First home buyers in South Australia may be eligible for a Grant of up to $15,000 for the purchase or construction of a new residential property, including a house, flat, unit townhouse or apartment. Unfortunately, the FHOG ceased for established homes from 1 July 2014. In order to qualify for the First Home Owner’s Grant, the property must be occupied as each applicant’s principal place of residence for a continuous period of at least six months commencing within 12 months of date of settlement for contracts to purchase, or the date construction is completed for owner builders or contracts to build.
When you purchase a property, you are required to pay stamp duty. The amount of stamp duty you need to pay is calculated based on the purchase price or on the market value on settlement day. First home buyers may qualify for an ‘off-the-plan stamp duty concession’ to help reduce the amount of stamp duty they need to pay. The off-the-plan stamp duty concession provides a full stamp duty concession on a transfer of a new apartment or substantially refurbished apartment. In order to qualify for the full concession, you must have entered into a contract between 31 May 2012 and 30 June 2014 (capped at stamp duty payable on a $500,000 apartment). In order to receive a partial stamp duty concession, you will need to have entered into a purchase contract from 1 July 2014 to 30 June 2017. For contracts entered into between 20 June 2016 and 30 June 2017 (inclusive), the concession applies to purchases of off-the-plan apartments located anywhere in South Australia not just the Adelaide CBD.
The Housing Affordability Fund is an Australian Government initiative aimed at reducing the cost of new homes. The Australian Government assisted a number of councils in South Australia with the costs associated with the delivery of the estate infrastructure on the agreement that the council will pass on the savings to eligible purchasers. The intention of the Housing Affordability Fund was to benefit people buying new homes at reduced prices.
The South Australian Government instigated the Affordable Homes Program in an effort to allow eligible home buyers to access various properties across the state at discounted purchase prices. Ideally, the properties available are offered at prices that are lower than the usual market rate, representing a more affordable option for first home buyers to enter the market. The properties available sometimes include former public and community housing stock, as well as a selection of new homes constructed within new suburban developments. In order to qualify for the Affordable Homes Program, you must be over 18 and be a South Australian resident. You also must not already own any other residential property or land, and you will need to live in the property as your primary place of residence after settlement. You will also need to pass an income and asset test to ascertain your eligibility for the program.
Banks, lenders and financial institutions continually offer a range of bonuses and incentives, and sometimes even cash rebates to attract new customers to their bank. The actual bonuses and incentives will vary between different financial institutions, so it’s worth checking to see what’s available when you’re ready to buy.

Tips For Saving For A Deposit

Saving for an unspecified goal makes it harder to stay motivated to reach a specific figure. By comparison, if you take the time to find out exactly how much you need it becomes easier to create a realistic plan to achieve it. First home buyers generally need to save a minimum of 5% of the purchase price, plus the costs associated with the purchase such as stamp duty and conveyancing+. So if you’re thinking about aiming at a $400,000 property, you’ll need to save $20,000 plus another $20,000 to cover fees and charges. Don’t forget that borrowing more than 80% of the property’s value means you’ll also need to pay Lender’s Mortgage Insurance (LMI). Speak to a good mortgage broker about the option of adding your LMI to your loan amount, as some lenders may allow this. Keep in mind that you may qualify for the First Home Owner’s Grant if you choose to construct a new home or buy an off-the-plan apartment in some areas. The grant could help cover some of your purchasing costs so you won’t need to save so much.

If you’re carrying outstanding credit card balances or if you still owe money on a personal loan, you should consider paying them off. It’s hard to save effectively if your income is eaten away by debt repayments every month.

Stop using your credit card and work out ways to afford your living expenses on just your salary. If you want to buy larger items, think about putting them on lay-by or saving for them instead of pulling out the plastic cards. You may need to budget a little differently at first, but you’ll find it much easier to pay off your outstanding debts.

Once they’re gone you’re in a strong position to start saving your home deposit in earnest.

Work out exactly how much you can afford to put aside into your savings each week or fortnight and deposit that amount into a dedicated savings account regularly.  You can make this easier on yourself by setting up an automated direct debit payment from your regular transaction account into your savings account each week.

It’s also a good idea to shop around for a savings account that pays interest on your cash. The interest you earn might not seem like much at first, but even those small amounts contribute towards getting you closer to your goals.

Whenever you receive extra money, add it to your savings account. Whether you earn some overtime or receive a tax refund or if you sell some unwanted items on eBay or Gumtree, put the extra cash towards reaching your savings goals faster.

Find ways to reduce some of your expenses so you can save even more money.  Renegotiate your mobile or internet plan for a better deal. Look for a bank account that doesn’t charge monthly fees. Think about ways you can maximise your opportunities to save money whenever you can while still enjoying your lifestyle.

Remember, every little bit of extra cash you can add to your savings makes a big difference in the long run.

Common First Home Buyer Mistakes

Before you start looking for your first home, take the time to apply for a pre-approval. Different banks have varying policies, so the amount you can borrow might change depending on the lender you choose. Speak to a good mortgage broker about your borrowing capacity and submit your pre-approval application. When you have a pre-approval behind you, you’re able to shop with confidence knowing exactly how much you have to spend.

Many banks may tell you that your borrowing capacity is much higher than you expected. This leads many first home buyers to increase the amount of money they think they can spend buying a home, which often tempts them to borrow right up to their borrowing limit.

If interest rates rise, you risk facing higher repayments than you can afford. You also risk being stuck with payments that are higher than you originally budgeted for. Rather than trying to spend up to your borrowing limit, take the time to work out your monthly payments and stick to what you can comfortably afford each month without stretching your budget too far.

While you might have a pre-approval for a mortgage, it’s equally important to know what type of home loan will suit your needs. Once again, different banks will have varying policies for the amount of deposit you need. They may also offer different interest rates and terms. Understand whether you want to choose a fixed or variable interest rate to suit your budget.

You might have spent a considerable amount of time saving for the deposit on your home, but have you also factored in the additional costs associated with purchasing property?

It’s common for many first home buyers to underestimate how much they need to pay in added costs.

Take the time to work out how much you’re expected to pay for things like:

  • Stamp duty
  • Mortgage registration
  • Conveyancing fees

Discuss any extra costs you might incur with your mortgage broker and check whether you qualify for the first home owner’s grant to help you cover them all.

Buying your first home can be a great investment, especially if you view it as saving money paying rent and paying off your landlord’s mortgage. However, it can be easy to underestimate the costs of owning your own home.

You might have taken into account your home loan repayments, but don’t forget to budget for added costs, including:

  • Home insurance premiums
  • Council rates
  • Water rates
  • Repairs and maintenance

Most first home buyers understand that the properties they buy are likely to need a bit of maintenance. However, no matter how small or insignificant little repair jobs or maintenance issues might seem, there could be major structural problems hiding under the surface that are easy to overlook on inspection day.

If you’ve found a home you’re thinking of buying, take the time to engage a building inspector. What you discover on your inspection report could potentially save you thousands of dollars after you move in.

You might have taken into account your home loan repayments, but don’t forget to budget for added costs, including:

  • Home insurance premiums
  • Council rates
  • Water rates
  • Repairs and maintenance

Costs When Buying Your First Home

The amount of stamp duty you pay is calculated based on the purchase price of your property. In some cases, you may be eligible for a partial concession on the stamp duty amount, so it pays to do your research. Importantly, if you are buying a house and land package, you only pay stamp duty on the land component whereas when you buy an established property, you pay full stamp duty on the whole transaction.

The Land Titles Office may charge a transfer fee to transfer ownership of the property title from the vendor’s name into your name. Again, the amount you pay may be calculated based on the purchase price of the property

Your conveyancer is the person who will legally handle the transaction between you, the vendor, your lender, and the Land Titles Office to help you settle your new home. You will need to pay your conveyancer’s fees and costs

If you’re borrowing more than 80% of the property value, your bank will apply a Lender’s Mortgage Insurance (LMI) premium to your total costs. The amount of LMI you pay will depend on the size of your deposit and which underwriter your bank uses.

Your bank may charge some fees associated with your loan, including loan settlement fees and mortgage registration fees.

Tips For Buying Your First Home

It’s common for many first home buyers to look closely at the purchase price of a property they want to buy and then calculate how much deposit they need to save. However, there are also a range of other costs associated with buying a property that you will need to take into account. 

The amount of money you can borrow may vary between banks. They all have their own policies and lending criteria to calculate the maximum amount you can borrow, so it pays to discuss your options with a good mortgage broker.

When you have a clearer understanding of how much you can borrow, you’re in a better position to work out how much deposit you need to save and what your approximate fees and costs will be on your estimated purchase price. You’ll also know roughly how much you’ll pay on your loan repayments, so you can start putting together your budget.

Once you know how much you can borrow, you can determine how much you need to save to cover your deposit amount. You may also need to add additional funds to your total deposit amount to cover any other costs and fees associated with buying your first home.

When you have a clear idea of how much deposit you need to save, it’s time to get your savings plan together. Spend a bit of time working out your budget. Make a list of your income and all of your expenses. Then work out how much you can comfortably afford to save each pay once your bills and living expenses are paid for.

If you haven’t already, shop around for a savings account that pays you interest on your balance. There are plenty of different savings accounts available, so choose one that suits your personal situation and start putting money away regularly.

Before you head out house hunting, take the time to apply for a pre-approval from your chosen bank. The bank will assess your income and expenses and issue a conditional approval that lets you shop with a bit more confidence for your first home.

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