Mortgage broker, Adelaide SA
Mortgage Broker in Adelaide
Buying in Adelaide from another state, or refinancing a property you already own there? We arrange and structure the loan side, comparing options from a panel of 40+ lenders by phone.
Adelaide home loans
Buying in Adelaide from interstate.
Structure first
Some investors living interstate buy in Adelaide. If you already own a home elsewhere, using its equity for the deposit is one option. Some borrowers keep each property on its own loan rather than cross-securing them, which can keep options open; we compare the structures. Our guide to using equity explains the setup.
Buying from a distance
You may not see the property often, so a building and pest inspection and a clear picture of rent and running costs matter more. Test the numbers with the investment property calculator. Whether a property suits you as an investment is a question for you and your adviser; we look after the loan.
Lender policy
Many lenders on our panel lend in South Australia, but rules on property types, small units and some locations vary. We check the specific property before you commit.
Stamp duty in South Australia
South Australia’s general rates reach $21,330 plus $5.50 for every $100 over $500,000 (RevenueSA, checked 8 Nov 2026). On a $700,000 purchase, that works out to about $32,330 before any concession. Investors generally pay duty under these general rates. See the full table and estimate yours with the SA stamp duty calculator.
First home buyers in Adelaide
SA’s first home buyer stamp duty relief applies to new homes, off-the-plan apartments and vacant land for building a new home, not established homes. Eligible first home owners buying or building a brand-new home may also get the First Home Owner Grant of up to $15,000. Rules depend on your contract date, so confirm the details with RevenueSA. Our first home buyer guide explains the loan side.
Tools
Work out your numbers.
More areas: All areas we cover, Australia-wide by phone
Questions
Common questions, straight answers.
Do first home buyers pay stamp duty in Adelaide?
Relief is available for eligible first home buyers of new homes, off-the-plan apartments and vacant land to build a new home. It isn’t available for established homes. RevenueSA confirms eligibility.
Can I use equity from my Sydney home to buy in Adelaide?
Sometimes, if you have enough equity and can afford both loans. The lender’s valuation and your borrowing capacity decide how much.
Do I need an Adelaide broker?
No. Lenders on our panel lend in many locations, though policy can vary by property type and location, and appointments are by phone.
Talk to a mortgage broker about Adelaide.
No obligation. No pressure. Just honest answers.
We don’t charge you for our service. Lenders pay us a commission if you go ahead with a loan.