Home loans for South Australians

Where others fail, we secure approvals from reputable lenders. The percentage of the total property value you are borrowing is your Loan-To-Value Ratio (LVR). Calculate the percentage of LVR your loan situation allows. Use our Lenders Mortgage Insurance (LMI) calculator to find out how much you might need to pay if you’re borrowing more than 80% of the property value. She says it's likely that the housing market is being supported by high overseas migration into Australia, as well as certain types of buyers with money to spend. The average monthly home loan repayment in Australia is $4,359, an increase of $180 since the last quarter of data.
We acknowledge the Traditional Owners and Custodians of the land where we live, learn and work. We pay our respects to all First Nations Peoples and acknowledge Elders past and present. A home loan health check is a great way to ensure your home loan is still the right one for you and is meeting your current needs. Whether you’re a new or existing customer, we have everything you need to help you in your home loan journey. Looking to buy your first home, dream home, invest, or refinance? We have everything you need to get you moving on your home loan journey.
The company has a unique team structure that helps them to manoeuvre more efficiently than other brokers.  This differentiates them from other firms and ultimately speeds up the process for their clients, a factor that’s seen as the number one customer requirement in broker satisfaction studies. Providing comprehensive mortgage advice to a wide range of clients throughout Australia, Adelaide Home Loans is the company of choice for Options After Home Loan Rejection In Adelaide people looking to find the right finance option for their needs. Once you've chosen a loan, we'll handle the paperwork and liaise with the lender.

You start with a land loan to purchase the land, followed by a construction loan to cover the building costs. The loan amount is released in stages of construction progress, known as progress payments. This type of loan usually charges interest only on the amount drawn down at each stage.
Finder's home loans awards celebrate stand-out home loan products across 15 different categories. Our experts analysed 12 months' worth of interest rate and fee data to find the best solutions for any borrower type. Our team of experts reviewed over 7,490 home loan rates from across 100+ lenders to select our Finder Home Loans Awards winners for 2026. Deciding on the right home loan will depend on your goals, individual circumstances, and the type of features you’re after.
The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Most home loans can fund up to 85-95% of the value of your property, which means you’ll need a minimum of up to 5-15% as a home deposit. However, there may be benefits in saving a larger home deposit. For example, if you borrow more than a certain level (commonly 80% of the value of the property you’re using the loan to buy), you might have to pay lender’s mortgage insurance (LMI). Search Mortgages stands out as Adelaide's premier mortgage brokerage, earning an exceptional 5.0-star rating from 204 satisfied customers. When Adelaide homeowners want to slash their mortgage payments without the runaround, they call Refinancer.

This isn't your typical broker setup—they've mastered the art of making lenders compete for your business while you sit back and watch the savings roll in. Investment loans generally come with higher interest rates and stricter lending criteria than owner-occupier loans. Even if you feel you’ve got a fairly firm grip on the whole homebuying process, enlisting the services of a mortgage broker could be prudent for a few reasons. Many brokers have built up strong relationships with certain lenders, meaning they’re well-placed to negotiate on your behalf and potentially secure you a better deal. Home loan interest rates are constantly changing and if yours is no longer competitive, you should ask your lender for a discount.
If you’re shopping for a new loan today, the practical path is Bendigo Bank directly, or a like-for-like comparison across the panel. If Adelaide Bank was on your shortlist, start with our Bendigo Bank home loan review, same parent group, live application pathway, and a similar community-bank ethos. For a self-employed file with non-traditional income, compare against a specialist self-employed lender too. Delays commonly came from missing documents, complex financial situations, or valuation hold-ups. The same factors slow down any lender, including Bendigo Bank today. Adelaide Bank home loans reviewed by brokers, the good, the bad, and why it's now closed to new lending.

Go Loans is a prominent  Australian mortgage brokerage offering a wide array of services designed to support individuals in their property and financial ventures. In addition, they provide more specialised services such as SMSF property investment loans, reverse mortgages, debtor finance, and trade finance. Mayfair Finance Australia is well-regarded for its quick turnarounds, often arranging business vehicle and equipment finance within hours. View our latest interest rates for a range of BankSA home loans to suit your needs. Compare our variable and fixed interest rates for owner occupiers and investors. Personified Loans has options available for personal loans and asset finance.
These combined benefits can  reduce upfront costs by more than $40,000, making Adelaide one of the most accessible capital city markets for new entrants. An offset account is a separate bank account that is linked to your loan. For any funds held in your bank account, automatically offsets against the loan when it comes to the bank paying interest.