Find home loan options and calculators

If you want to lock in a rate prior to drawdown, you can ask ANZ about options for locking in a fixed rate before settlement on eligible loans. A fee of $750 per $1 million of lending (or part thereof) applies. This is great if interest rates go down but your budget would need to cover the possibility of rates going up as well. Variable rate home loans offer greater flexibility because you can make additional repayments and redraw, pay off your loan early or take advantage of an offset account.
The firm focuses on making each transaction as simple as possible. They can provide these services online, via phone or in person. You can work with brokers who specialise in refinancing, helping Adelaide homeowners potentially save thousands over their loan term by switching to more competitive products. Fixed Rate home loans ensure you have the same repayment over a fixed term. You lock in your interest rate and initial repayment over an initial agreed term usually between 1 and 3 years.
How do you make sure you are choosing the right Adelaide home loan for you? Your Rise High Mortgage Broker is here to help you understand goals and priorities, taking all the hard work and complexity out of the process. Before you start looking for a specific property in Adelaide it is important to understand how much you can borrow. If Non Bank Home Buying Broker Adelaide you are thinking about building your first home  instead, you may also want to learn more about construction loans.

 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.
From home and investment loans to personal and car loans to business and commercial finance, their team is ready to help you get your loans sorted. They can negotiate with over 20 banks and lenders to find a competitive car loan that fits your needs. They ensure they simplify the complex lending marketplace and provide honest options. Whether you are looking for your first home, investing in another one, or want to refinance, they are with you every step of the way. One of the key advantages of working with a mortgage broker is their ability to provide personalized advice based on individual circumstances. They can assess your financial situation and recommend suitable loan options while also negotiating favorable terms on your behalf.
Particularly if you have an LVR below 60% and you are on top of your repayments, you  should be in a strong position to negotiate. If your lender will not offer a discount, you can consider switching lenders to get a better rate. If you’re simply switching to a new product with your current lender without increasing your loan amount, this process can be completed in days.

Factors such as employment rates, wage growth, and consumer confidence all play a role in shaping borrowing behavior. In a robust economy with low unemployment and rising wages, potential homebuyers are more likely to feel confident about making significant financial commitments like purchasing a home. As we look ahead to 2025, significant changes in home loan regulations are expected to reshape the borrowing landscape in Adelaide. Regulatory bodies are continuously assessing the financial environment to ensure that lending practices remain responsible and sustainable. One of the most notable changes anticipated is the tightening of lending criteria, aimed at safeguarding both lenders and borrowers from potential financial distress. You may have a better chance of getting approved for a home loan if you work with a mortgage broker.
The emergency fund of personal loans, this type of loan is one option available to make sure you have enough money in your account when you need it. It is a convenient way to have access to money quickly for those financial emergencies that pop up when you least expect it. You only pay interest on the money you use, however there is usually a maximum amount that you can apply for with this type of loan.

Your lender will issue a formal loan offer detailing the terms and conditions of the loan, including your rate. Review the loan offer carefully and sign it if you accept the terms. It’s important to get your finances in order before you apply for a home loan. This includes building a history of savings, paying down debts and doing initial research on home loan options that may be suitable for you.
First home buyers benefit significantly from broker expertise. South Australia offers stamp duty concessions and the First Home Owner Grant for eligible purchasers. Independent brokers understand these programs and can structure your application to maximise benefits while securing competitive rates. This was my  first time getting a home loan, whereas for my partner has gone through the process with Rise High several times. I must admit I was a little nervous and heard of many bad experiences with other companies but this was certainly not the case.