A mortgage broker for Adelaide borrowers, on a national lender panel.
A mortgage broker covering home loans, refinancing, investment and SMSF lending for Adelaide and South Australia. Delivered virtually. Same panel, same broker, no in-person office in SA.
How the service works for Adelaide clients.
Every meeting is by video or phone. Document collection is by secure upload. Loan and supporting documents are e-signed. Submission to the lender is electronic. Physical proximity does not change processing time on any major Australian lender.
A typical Adelaide file runs across three contact points. An introductory call to map income and target. A working session to compare lender options. A submission walkthrough and updates by email until settlement.
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.
Lender access does not depend on broker postcode. The panel is national. Adelaide owner-occupier and investment files are submitted, priced and assessed on the same lender policies as a Melbourne file.
- Same 50+ lender panel.
- Same broker, the whole way through.
- No upfront fee for residential lending.
- Same Credit Guide before any submission.
Loans we arrange for Adelaide borrowers.
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, P&I, portfolio structuring. 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
Through the same panel where it makes sense. Less common than residential, but available when needed.
The 50+ lender panel for Adelaide borrowers.
50+ lenders via Outsource Financial. The six listed are the lenders we send the most volume to. SMSF-specialist lenders sit on a smaller, more cautious panel. Lender selection depends on credit profile, LVR and loan purpose, not on the broker's home state.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
Loan profile we see most often.
Adelaide loan sizes typically run lower than Sydney or Melbourne. Average ticket sizes across the practice 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 second-largest cohort. 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.
SMSF and broker fees explained.
End-to-end for SA trustees.
30+ SMSF loan clients across the practice. Adelaide trustees access end-to-end SMSF lending and, where relevant, related financial planning under one adviser. Coordinated with the trustee's accountant.
No upfront fee on residential.
Broker commission is paid by the lender on settlement. The arrangement is disclosed in the Credit Guide before any application is submitted. Commercial and SMSF can carry advice fees, agreed in writing before work starts.
What Adelaide borrowers usually ask first.
Continue reading
- All broking servicesFull pillar page. Every product, full scope, every state.
- Refinancing your home loanRate review, equity release, debt consolidation.
- Investment property loansStructure, LVR positioning, 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.
A first conversation. Income, deposit, target property if you have one. The same call Adelaide clients have had with us for years.