Home Loans That Fit Your Life, Not the Bank's

First home, upgrade or refinance — we compare hundreds of products across 40+ lenders, at no cost to you.

First home buyers

The path to a first home has changed in your favour. The expanded First Home Guarantee now lets eligible buyers purchase with a 5% deposit and no Lenders Mortgage Insurance, with no income caps and no place limits. Pair that with South Australia's first-home stamp duty relief and grant, and your upfront costs can drop dramatically. We'll check your eligibility and map the numbers before you start house-hunting.

Upgraders and refinancers

Already own? We'll pressure-test your current loan against the market. Even a small rate difference compounds into thousands over the life of a loan — and the right structure (offset, redraw, split) can do as much as the rate itself. See our refinancing page for more.

The one number that matters: your borrowing power

Every lender assesses you at your actual rate plus a 3% buffer (an APRA requirement). So if you're quoted around 6%, you're really tested at around 9%. Different lenders apply this differently, which is exactly why which lender you choose changes how much you can borrow.

Calculate your borrowing capacity →

Home loans across Adelaide and beyond

We help buyers and refinancers right across Adelaide, and clients in regional SA and interstate by phone and video. If you're looking in the eastern suburbs, our local guides cover Norwood, Burnside and nearby suburbs. See the areas we cover, or book a free chat.

Common questions

Eligible first home buyers can now buy with as little as a 5% deposit through the expanded First Home Guarantee, with the government covering the LMI. The scheme currently has no income caps and no limit on places. Eligibility rules apply, so it's worth getting checked before you start looking.
Your borrowing power depends on your income, expenses, existing debts and deposit, and it's assessed at your actual interest rate plus a 3% buffer required by APRA. Because lenders apply these rules differently, we compare 40+ lenders to find the one that lets you borrow what you need responsibly.
For most home loans, our service is free to you. We're paid a commission by the lender when your loan settles, at no extra cost to you and without changing your interest rate.
Yes, by appointment. Our office is at 5/611 Magill Road, Magill SA 5072, and our brokers are often out with clients, so please book a time first. Many clients prefer phone or video instead, and that works just as well for first homes, upgrades and refinancing, wherever you are in Australia.

General information only; not financial or credit advice. Sources: APRA, Housing Australia, RevenueSA. Loanworth Pty Ltd (Credit Representative Number 547934) is a Credit Representative of Connective Credit Services Pty Ltd (Australian Credit Licence 389328).

General information only — not credit advice. It doesn't take your objectives, financial situation or needs into account.

Loanworth Pty Ltd CR 547934 · Connective Credit Services ACL 389328.

Ready to find out how much you can borrow?

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