Home Loans in Adelaide

With Adelaide’s median house prices at approximately $851,125 and units at over $620,421, securing the right finance is more important than ever. Our local expertise is a critical advantage for anyone buying in South Australia. Check how much stamp duty you’ll need to pay on your home loan. Deadlines may differ with the type of lender and the documentation of the client, and in most cases, they take 2 to 5 working days after we file your application.
Based on this information, your lender will estimate how much you can borrow and at what rate. Explore different loan types, home loan interest rates and borrowing options. You may need to cover stamp duty, lender’s mortgage insurance (LMI), legal fees, inspections, and loan application fees. Today (as at July 2026), the lowest variable owner-occupier rate across 85+ Australian lenders. Rates are set nationally rather than by city, so a Adelaide buyer sees the same numbers as anyone in South Australia; what changes is the value you borrow against and the SA concessions that stack on top. View the fixed rate home loan interest rates available to fix or re-fix existing loans.
That’s because they generally have a network of lenders on their books, and know the mortgage market inside and out, including what government grants you may be eligible for. You can apply for a home loan directly with a lender or through a mortgage broker. I wholeheartedly recommend the excellent service provided by Jason and his team. They found me a fee free Alternative Ways Home Loan Broker Adelaide refinance deal at a lower interest rate than I was paying, allowing me to use the equity in my house while reducing my mortgage repayments. All interest rates referred to in the calculators are current, as indicated on westpac.com.au.

 The information on this page does not apply to ANZ Plus products. This calculation is not an offer of credit and is intended as a guide only. Learn through free in-person sessions and online events that build your confidence, whether you’re starting out or starting over on your home ownership journey.
The South Australian and Federal governments offer financial help for eligible first home buyers who are building or buying a new home – which potentially could save you tens of thousands of dollars. Our tables feature all home loans available from lenders on our database that match the search criteria selected. Partner lenders with loans marked as ‘sponsored’ may pay a commission to Money.com.au if you click to visit their website. Money.com.au’s recent survey reveals that 22% of Australians have trouble understanding and explaining comparison rates. Increase your repayments by 5-10%If your budget allows, consider making extra home loan repayments (however small). Switch to fortnightly repaymentsBy making fortnightly repayments instead of monthly, you'll make the equivalent of an extra month's repayment each year without even realising it.
Rather than simply processing loans, they focus on understanding your broader financial goals and creating strategies that align with both immediate needs and future aspirations. Our mission is to help Aussies reach their property goals faster. We can compare thousands of home loans from over 25 leading lenders.

And while many borrowers in today's market are choosing a variable interest rate, that's not necessarily the best for everyone. 43% of Australians think an offset account is one of the most important features  when considering a home loan, according  to a Finder survey. The best home loan will always have a low interest rate compared to most loans on the market. Redraw is a feature which allows you to withdraw the extra money you’ve paid into your home loan.
Find out more about home loan deposits and get tips on how to save for a deposit. We'll help you navigate your ANZ home loan options so you can make your next move with confidence. Start your online application and we’ll be in touch to help you complete the process. We’re proud to participate in the Australian Government 5% Deposit Scheme. Designed for first home buyers with a minimum 5% deposit, or single parents with 2%, the Scheme also removes the need for Lenders Mortgage Insurance. The Australian Government 5% Deposit Scheme helps first home buyers and single parents get into the market sooner with a smaller deposit.

They aim to treat every customer like an ambassador and a valued friend. Their mortgage brokers have provided Australians with life-changing financial solutions. All their mortgage brokers are seasoned professionals who work in your best interest.
This allows us to recommend lenders who prefer specific property types, price ranges and borrower profiles. Build your property portfolio with competitive investment loan rates and expert advice. Once the ideal loan is selected, clients can quickly proceed with the approval process. The company prides itself on its high approval rates and positive customer feedback, highlighting its commitment to providing the best financial solutions for Australians. For clients interested in any of the above services, Go Loans provides free consultations and works with over 50 lenders to ensure the best rates and options. The brokers work closely with clients, ensuring they are supported throughout the loan process and beyond, providing ongoing advice and guidance.