Mortgage Broker Adelaide Local Home Loan Experts
Access market and property insights and ongoing support with a CommBank lender. You now have access and complete clarity of your loan application on-the-go with onTrack mobile. You'll receive your login details to manage your repayments and account details via our Smart Money app. A dedicated lender will be in touch to go over the finer points of your loan.
We believe financial wellness starts with the right strategy. That's why we offer more than great loan solutions—we help you protect your income, plan for the future, and understand the bigger financial picture. Assured Home Loans has been helping Australians secure the right home loan since 1988. Whether you're buying your first home, upgrading, refinancing, or investing, we're here to guide you every step of the way.
We help you access first home buyer grants and schemes to reduce upfront costs and make homeownership more affordable. Credit assistance for enquiries submitted through this site is provided by Xcel Pty Ltd, Credit Representative #568072, under an Australian Credit Licence (ACL) issued by ASIC. Full licensee details, Credit Guide and complaints process are provided to you directly by your broker before any credit assistance begins, in line with NCCP Act 2009 s.158. Buying or building a new home (newly constructed or substantially renovated). It is paid in addition Alternative Ways Home Loan Broker Adelaide to any rate you secure on the comparison table above.
They maintain MFAA and FBAA memberships, ensuring professional standards. Their Credit Representatives are registered with ASIC, guaranteeing compliant, ethical advice. Choose a Specialist - Based on your requirements, you can work with a licensed mortgage broker in Adelaide who specialises in loans like yours. Discuss your home loan requirements with an experienced home loan broker Adelaide has at National Finance Choice today.
Choosing to repay principal and interest means that you're actually paying off the total home loan amount over the period of the loan, not just the interest charges. Estimate quickly what your home loan repayments might be for a new loan, or compare current and estimated future repayments for different scenarios if you have an existing loan. Get the certainty of knowing what your home loan repayments will be during the fixed period. Investors may also be offered attractive rental guarantees for a limited period. Make sure you do your homework on rental returns on similar properties in the area before accepting the developer’s terms. Builders will sometimes promise a high-rent yield to lure investors, build the cost into the property price and then subsidise any gap themselves for a short period.
Rise High simplifies the complex mortgage process, assisting clients in securing the right finance options, with a focus on customer education and empowerment. You may need to provide more documents than you would with other banks as their credit policies are more conservative and they require more verification than major lenders. This is an estimate for illustrative purposes only and is based on the limited information provided. To apply for an ANZ Home Loan you must complete an application. Many buyers get swept up on a wave of rising property prices when they hand over their deposit in exchange for a floor plan.
We are here to look at your situation and find a lender which fits you. This can include bad credit, self-employed, low-doc (low documentation) or unusual/irregular income. At Adelaide Home Loans we have access to lenders where you can borrow 105% of the value of the property. If you have a family member who has a property with equity and is willing to help this may be a good option to get your foot in the door of the property market.
Because of this, the repayments on this type of loan may go up and down depending on the lender’s discretion, which can make it difficult to set a budget. Benefits of this type of loan include if interest rates decrease, your repayments will be less, and in general variable rates are usually lower than a fixed rate. However if the rate increases your repayments will rise as a result. Our standard variable rate for unsecured variable rate loans is 14.99% p.a.
Your mortgage repayments will include a principal (what you borrowed) and interest component. There's also the option to get an interest-only home loan, where you'll only pay the interest for a set period of time. Use your offset accountKeep your household income and savings in your offset account to reduce your interest payable. For a $600,000 home loan with a 6.00% interest rate and fortnightly repayments, having $20,000 in your offset account could shave two years off the loan's life and save $91,742 in interest.
Home lending in Australia is heavily concentrated around the 'big four' banks. In fact, the combined value of home loans with the major banks is almost three times that of all other banks in Australia combined. Yes, we partner with lenders offering 90–95% LVR loans without LMI for qualified professionals like doctors, lawyers, and accountants. We work directly with SA lender credit teams to structure applications for faster approvals and better interest rate outcomes. With median home prices exceeding $850,000, local knowledge is essential. Our brokers understand which lenders favour SA postcodes, how to structure your application for higher approval chances, and how to maximise SA concessions and grants.