The HomeStart Difference

The HomeStart Difference

Whether you’re a first home buyer or an existing home owner looking for a fresh start, HomeStart could help you get into your own home, sooner.


How we can help


We’re unique in the market

We’re not a bank. Established in 1989, HomeStart is a State Government organisation that is 100% focused on providing home loans for South Australians. So while we’re a profitable financial organisation, we are also considerate of our social responsibilities. This means we’re always working on new ways to help more people get into their own home, sooner.

We want you to have a home loan that’s right for you

We have a range of innovative loans that can reduce your upfront costs and increase your borrowing power. We’re happy if you want to switch to a bank or credit union after a few years with us. We just want to get you into your own home sooner, so you can enjoy all the benefits of home ownership!  

We're here to help you

Our reason for being is simple: to make home ownership a reality for more people in more ways. Based in South Australia, we have an experienced team who are understanding, friendly and committed to help you get in to your own home sooner.

Over the past 33 years, HomeStart has helped more than 81,000 South Australians into home ownership.

Want to know more about what we do and why we do it?

Our strategy

The HomeStart Strategic Plan for 2021-24 reinforces this strong sense of purpose that exists within HomeStart through a continued and sustained commitment to investment in our people and systems which create more opportunities for people to achieve home ownership.


Our aim

Our reason for being is simple: making home ownership
a reality for more people in more ways.