A mortgage broker for Adelaide borrowers, on a national lender panel.
A mortgage broker for Adelaide and South Australia, covering home loans, refinancing, investment loans and borrowing inside super. It all runs over video and phone. There is no office in SA, and it makes no difference to the loan you end up with — the lender panel is national and so is the pricing.
How it works if you’re in Adelaide.
Every meeting happens over video or the phone. You upload your documents securely, sign everything online, and we lodge it to the lender electronically. Being in the same room has never once made a lender go faster.
A typical Adelaide job takes three conversations. A first call to work out what you earn and what you are after. A working session to go through the lender options. Then a walk-through of what we are lodging, and email updates until it settles.
Hours run 8am to 7pm AEST. We keep slots open outside the standard 9-to-5 for clients who can only talk at the end of the day, including shift-pattern professionals and self-employed trades who run South Australian businesses.
No Adelaide office. The lender panel is national.
The practice operates from Docklands, Melbourne. There is no broker shopfront in the Adelaide CBD or in Norwood, no satellite office anywhere in SA. Adelaide engagements run by video and phone, the way they have for years.
Which lenders we can reach has nothing to do with our postcode. The panel is national. A Adelaide home loan or investment loan is lodged, priced and assessed under exactly the same lender rules as one from down the road in Melbourne.
- The same 50+ lenders.
- The same broker the whole way through.
- Nothing to pay us on a normal home loan.
- The same Credit Guide before anything is lodged.
Loans we arrange in Adelaide.
Owner-occupied home loans
Variable, fixed, split, offset. Adelaide owner-occupier files cover everything from Burnside stone villas to Glenelg apartments.
Refinancing
Rate review, cashback offers where available, equity release, debt consolidation. SA mortgages older than two years are usually above market.
First home buyer loans
Federal First Home Guarantee scheme alongside SA state assistance. Common in Munno Para, Mount Barker and the outer northern corridors.
Investment property loans
Interest-only or paying it down, and how to line up more than one loan. SA clients often buy interstate in Brisbane and Melbourne on the same panel.
Commercial property loans
Owner-occupier commercial and investment commercial. SA self-employed clients with stable cash flow are the typical fit.
SMSF property loans
Residential and commercial LRBAs through specialist SMSF lenders. SA trustees treated identically to Melbourne files.
Construction and bridging
Progress draws, end debt, short-term bridging. Useful for Adelaide Hills builds and upgraders sitting on inner-east equity.
Car and personal loans
From the same panel of lenders, when it stacks up. Less common than home loans, but we do it.
The lenders we compare.
More than 50 lenders through Outsource Financial. The six below are the ones we use most. Lending inside super goes to a smaller, more careful group of specialists. Which lender suits you depends on your finances, how much you’re borrowing against the place, and what it’s for — not on where your broker lives.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
The loans we see most often.
Adelaide loan sizes typically run lower than Sydney or Melbourne. Most of our loans land between $500,000 and $800,000, and Adelaide owner-occupier files often sit at the lower end, particularly outside the inner-east and the southern coastal belt. The home loan repayment calculator gives a rough read on the monthly figure.
Investment lending is the next biggest group. Many SA clients buy interstate, particularly Brisbane and Melbourne, and the coordination on that work runs the same way regardless of asset location.
Refinancing volume is meaningful. Adelaide mortgages held for more than two years are very often above market, both because rates have moved and because retention pricing inside the major banks rewards the inattentive borrower in the opposite direction. The refinance break-even tool usually settles the question.
Borrowing inside super, and what we get paid.
Both halves, for SA trustees.
30+ SMSF loan clients on the books. Adelaide trustees get the lending and, where it matters, the wider advice from the one adviser — worked through with your accountant.
Nothing to pay on a home loan.
The lender pays us when the loan settles. It is all set out in the Credit Guide before we lodge anything. Commercial and SMSF work can carry a fee, and if it does we agree it with you in writing before we start.
What people in Adelaide ask first.
Keep reading
- All broking servicesThe main page — every kind of loan, all of Australia.
- Refinancing your home loanRate review, equity release, debt consolidation.
- Investment property loansStructure, how much to borrow, portfolio sequencing.
- SMSF property lendingLRBAs and specialist lenders for SA trustees.
- Adelaide financial plannerVirtual financial planning across SA.
- Adelaide buyer's agentInner-east, southern coastal, northern growth corridors.
Start with a free first call.
Just a conversation. What you earn, what you have saved, and the place you have got your eye on if there is one. The same call Adelaide clients have been having with us for years.