Working with the housing industry

At HomeStart, we believe we play a key role in housing our growing population.

We provide innovative finance products that bring together builders, developers, community housing organisations, state and local governments on a range of collaborative housing initiatives.

Sharing solutions

Shared appreciation is an excellent way of making home ownership a reality for more people.

HomeStart’s shared appreciation model helps people break into the housing market by increasing borrowing capacity. In return, the buyer shares a portion of their property’s change in value when it is sold or refinanced.

We are seeking organisations who share our desire to assist more South Australians into home ownership, and who have land or equity they are willing to invest for the medium-to-long term, for a modest return.

Successful pilot projects using this model include Brahma Green, an award-winning affordable housing project between The City of Salisbury Council, McCracken Homes and HomeStart. 

Ergo apartments is an innovative housing development featuring contemporary eco-friendly and stylish apartments; a collaboration between the Adelaide City Council and Hindmarsh Development Australia.

Greentree Walk, located in Paralowie, is a collaboration between the City of Salisbury and Hickinbotham.

The Wyatt Trust supports HomeStart’s Wyatt Loan which offers $10,000 additional assistance to eligible low income applicants in addition to a HomeStart loan.

Building solutions

HomeStart offers a unique construction option, which can assist developers to achieve the state government’s 15% affordable housing quota for new housing developments.

Key features of building with HomeStart include:
  • low deposit options
  • no repayments for the first 9 months or until construction is complete, whichever comes first (in most cases)
  • taking FHOG monies into account for deposit calculation purposes, thereby alleviating the deposit gap for first home buyers purchasing a house and land package.


Get into your own home sooner

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Level 5, 169 Pirie St, Adelaide SA 5000