Our mortgage brokers for Adelaide

Navigating lender requirements on your own is no walk in the park. That’s where our mortgage brokers step in, using their experience and know-how to make the home loan process quicker, easier, and aligned with your financial situation. Here’s how they can help:

• Access to a range of home loan products from our lender panel, rather than being limited to one lender’s options
• Help comparing more than just interest rates, including fees, comparison rates, and loan features, to help you make informed decisions
• Help choosing your loan term, whether that’s a 30-year loan to keep monthly repayments manageable, or a shorter term to reduce the overall interest you pay
• Guidance on different home loan options such as extra repayments, offset accounts and redraw facilities, and how they affect your repayments and total loan amount based on your unique needs
• Fast loan approvals, with your broker handling the comparisons, negotiations, and lender follow-ups on your behalf
• Tailored, expert guidance every step of the way, with our brokers guiding you through your real estate lending journey

And what’s more, we don’t charge you a thing for any of this!

Working with one of our mortgage brokers for your purchase in Adelaide is 100% free. When you’re already budgeting for stamp duty and conveyancing fees, the last thing you need is another cost, and with us, there isn’t one. The lender pays our brokers, not you.

Mortgage brokers in Adelaide are generally paid by the lender, just as brokers across the rest of Australia are. When a home loan settles, the lender typically pays a commission, usually a percentage of the loan amount, along with a smaller trail commission that’s paid over time for as long as you stay on the same loan.

At Compare the Market, our mortgage brokers are salaried employees. On top of that, they may receive a commission or incentive that’s linked to the credit assistance they provide. These payments are tied to things such as the successful settlement of a loan or meeting a performance criterion. Either way, those payments come from Compare the Market and the lender, never from you.

The right broker for you is one who takes the time to understand your situation before recommending anything. When you’re weighing up your options, here are some questions worth asking:

• Which lenders do you work with, and how much choice will I have?
• How do you get paid?
• What’s your recent track record with loan approvals?
• Why are you recommending this particular loan for my situation?
• What do you need from me to get started?
• Are there any extra costs I should know about, such as valuation or legal fees?
• How long does the whole process take, from application to settlement?

With our team, you don’t need to worry too much about which broker you land with. They all work with the same lenders, get paid the same way, and have access to the same products. So you’re always getting the full picture.

Our mortgage brokers are here to support first‑home buyers in Adelaide as they take their first steps towards owning a property. They can also talk you through the South Australian grants and incentives you may be eligible for, including the SA First Home Owner Grant stamp duty concessions, and nationwide support schemes such as Help to Buy and the 5% Deposit Scheme (previously called the Home Guarantee Scheme).

Our brokers can help Adelaide buyers apply for different types of home loans throughout their real estate journey, including:

• Fixed rate home loans that lock in your interest rate for up to five years, giving you certainty over your mortgage repayments. The trade-off is less flexibility, and there may be limits on extra repayments.
• Variable rate home loans move with the cash rate set by the RBA, so your repayments can go up or down over time. In exchange, you usually get more flexibility, such as offset accounts, redraw facilities, and more room to make extra repayments.
• Split rate home loans let you divide your loan into two parts: generally a fixed part and a variable part. You get some repayment certainty without giving up all the flexibility.
• Investment loans are designed for buyers purchasing a property to rent out rather than live in, and can be fixed, variable, split rate, or interest-only. They typically have higher interest rates than owner-occupier home loans, making it even more important to shop around for a competitive rate.
• Refinancing means switching your existing home loan to a new lender, usually to secure a better interest rate or a loan term that suits your current situation.

Adelaide property prices have climbed steadily, with the city’s median residential property value hitting $922,991 in February 2026, up 10.9% over the year, according to Cotality (CoreLogic). ¹

And that growth is showing up in loan sizes too. The latest lending indicators from the Australian Bureau of Statistics (ABS) show the average home loan size for owner-occupiers in South Australia hit $658,000 in the December 2025 quarter, while the average loan size for investors was $622,000. ²

No matter whether you’re buying in Adelaide, Brisbane, Sydney or Melbourne, the steps involved in applying for a home loan don’t really change. What can change is how much work you need to do on your end.

When you apply for a home loan in Adelaide through our brokerage service, one of our mortgage brokers takes a lot of that workload off your plate. They’ll guide you through each step, sort out the paperwork, and deal directly with the lender so you don’t have to.

That means less to stress about and more time to focus on the things that matter most while we keep your application moving.