How much can I borrow in Adelaide?

Your borrowing capacity depends on your income, living expenses, existing debts, and the lender assessment criteria. Most lenders apply a serviceability buffer above the loan rate. Book a chat and we will assess your full picture across 60+ lenders.

How long does pre-approval last?

Most lenders keep a pre-approval active for around 90 days. We track your dates and reach out before expiry so you are never caught out.

Adelaide mortgage brokers

Home loans explained in plain English,from 60+ lenders.

Q: How does stamp duty work in South Australia?

Stamp duty in SA is calculated on the purchase price using a tiered rate structure. First home buyers pay no stamp duty on an eligible new home or vacant land to build on. Established homes attract full duty. Use our stamp duty calculator for a quick estimate.

Local Adelaide brokers who do the comparing for you. No cost to you, paid by the lender at settlement.

Book a chat 08 8270 5138

5.0 on Google A 15-minute chat with Jason or Steve. No cost, no obligation. We reply within one business day.

Steve Chin and Jason Given, Lendology mortgage brokers

60+

Lenders compared
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5.0

Average Google rating
across all reviews

MFPA

Highest broker designation
in South Australia

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Paid by lender at settlement
never by you

Comparing 60+ lenders including

Westpac CommBank ANZ NAB Macquarie Bank of Melbourne St.George ING Bankwest AMP Suncorp Athena Adelaide Bank Virgin Money Pepper Money loans.com.au Liberty Resimac

How we can help

Home loan options for Adelaide buyers

Explore your options then book a quick chat - we guide you from first call to settlement.

First home loans

Clear steps, early guidance and products that fit your budget.

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Refinancing

We do the legwork and show the savings clearly.

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Aerial view of Australian suburban homes

Investment loans

Structures that consider cash flow and tax outcomes.

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Pre-approval

Know your limit then act fast when the right property comes up.

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Self-employed

Loans that respect how your income works.

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Next home loans

Upsizing or changing suburbs - we compare and plan the move.

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Personal loans

Travel, renovations or a big purchase - we help you compare.

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Car loans

We find a competitive car loan that suits you.

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How it works

Three steps from first chat to settlement

No forms to fill in before we talk. Start with a quick conversation and we take it from there.

A 15-minute chat

Tell us what you are trying to do. We tell you straight away whether it is doable.

We compare 60+ lenders

You get a plain-English plan with the options side by side, usually within a few days.

We lodge, chase and settle

One point of contact from application to keys, and we stay in touch after.

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Local people, real care

Why people choose Lendology

Your own personal expert

Jason or Steve personally handles your loan from first conversation to settlement and beyond. You always deal directly with your broker - never a call centre.

60+ banks and lenders

We compare 60+ lenders - major banks, credit unions, non-bank lenders and specialists. The right lender for your situation is rarely the first one you think of.

Always in your corner

Our service is at no cost to you - paid by the lender at settlement. Under Best Interests Duty we are legally required to act in your interest, not the lender's.

Jason Given and Steve Chin - Lendology mortgage brokers Adelaide

Meet your brokers

Jason and Steve are here to help

Personalised lending support across Adelaide. Book a chat and we will guide you from first questions to settlement.

Jason Given

Director & Mortgage Broker

With a passion for finding solutions and a special interest in complex lending needs, Jason brings expertise and genuine empathy to every client relationship.

Book Jason Call Email

Steve Chin

Mortgage Broker

With over 8 years in finance, Steve is known for going above and beyond. His mission has always been to simplify the process and get the best outcome every time.

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What clients say

Five-star Google reviews

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Answers you can trust

Frequently asked questions

Your borrowing capacity depends on income, living expenses, existing debts, and the lender's assessment criteria. Every lender calculates it differently, which is why the same person can be approved for very different amounts depending on where they apply. For a precise figure, we can assess your full picture and compare lenders - book a chat to get started.

A well-prepared application can move from submission to conditional approval in a few business days. Complex cases may take longer. We keep you updated throughout and push things forward proactively so there are never any surprises.

Many buyers aim for 20% to avoid Lenders Mortgage Insurance. However, some first home buyers qualify with as little as 5% through government guarantee schemes. We will show you the options that fit your savings and cash flow.

Stamp duty in SA depends on purchase price and any concessions that apply to your situation. Use our stamp duty calculator for a quick estimate. First home buyers pay no stamp duty on an eligible new home or vacant land to build on. Established homes attract full duty.

Most lenders keep a pre approval active for around 90 days. If yours expires before you find the right property, we can refresh it quickly as long as your situation is unchanged. We will keep you informed so you are never caught out.

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First home in SA: the 2026 checklist

Ten things to sort before you make an offer, in the order they come up, each with a link to the full answer.

Check the $15,000 First Home Owner Grant

Paid by the SA Government on a new home that has never been lived in. The price cap was removed in June 2024, so it applies at any price.
First Home Owner Grant SA →
See if the 5% First Home Guarantee fits

Buy with a 5% deposit and no Lenders Mortgage Insurance. No income caps and no limit on places since 1 October 2025, with a $900,000 price cap in Adelaide.
How the First Home Guarantee works →
Work out your deposit

Most lenders want genuine savings held for at least three months. A gift from family can count, usually with a statutory declaration.
Deposit options in Adelaide →
Know the stamp duty rules

First home buyers in SA pay no stamp duty on an eligible new home, including off the plan and house and land packages. An established home attracts full duty.
Stamp duty in SA →
Budget for the other costs

Conveyancing, inspections, transfer and mortgage registration fees and settlement adjustments sit on top of your deposit.
The costs of buying a home →
Get your documents together

Payslips or tax returns, bank statements, identification and details of any debts. Having them ready on day one is what keeps an application moving.
Document checklist →
Check your credit file first

Lenders read your credit report before anything else. Fix any errors and hold off on new credit applications until the loan has settled.
What is a credit score →
Get pre-approval before you inspect

One well-prepared application with the right lender. It usually lasts three to six months and shows agents you are ready.
What pre-approval is →
Order a building and pest inspection

Book it the day you sign so the report is back inside SA's two business day cooling off period. At auction, inspect before you bid.
Inspections for first home buyers →
Know what happens at settlement

Your conveyancer, the lender and the seller's side settle on the same day. Here is what to expect and what you need to do.
What happens at settlement →