One vetted Adelaide specialist. 60 lenders compared. Paid by the lender, never by you.
Adelaide’s been one of the strongest-performing capitals through 2025-2026. A specialist consistently beats the advertised rate.
The specifics that matter for buying in South Australia. Tap any section to read more.
Up to $650,000: SA offers full stamp duty exemption for eligible FHBs on new builds and vacant land up to $650,000 (2023 reform).
Established homes: Different thresholds apply — check current SA state revenue rules — partial duty owed.
Over $650,000: Standard stamp duty applies.
SA also offers a $15,000 First Home Owner Grant for new builds up to $650,000. Eligibility requires Australian citizenship or PR, being 18+, genuine first-home buyer status, and residency for at least 6 months. Use our free stamp duty calculator →
The First Home Guarantee lets eligible Adelaide FHBs buy with a 5% deposit without paying LMI. The Federal Government acts as guarantor for the other 15%.
SA price caps (2026): $700K in Adelaide metro / capital city, $500K in regional SA. Income caps: $125K single, $200K couple.
Places: 35,000 FHB places per financial year plus 10,000 Regional First Home Buyer Guarantee places.
A specialist can model the FHG alongside standard 10%/20% deposit options to show which path saves you more.
Median house price: ~$800K (CoreLogic).
Median unit price: ~$480K.
Auction clearance rate: 65–72% week-on-week (one of the strongest in Australia).
Days on market (houses): 22–30 days.
Top growth suburbs: Inner east (Norwood, Burnside), beachside (Glenelg, Henley Beach), and North Adelaide lead capital growth; outer metro like Salisbury and Playford deliver strong yields.
An Adelaide specialist has a panel of 30–60+ lenders including major banks (CBA, ANZ, NAB, Westpac), second-tier (Macquarie, ING, Bankwest, Suncorp), and non-bank specialists.
Walk into a big-4 branch and you get one lender’s products at standard pricing. A specialist creates competition between lenders — that competition alone routinely yields 0.3–0.5% lower rates.
On a $600K Adelaide loan, 0.4% lower saves $2,400 per year — $72,000 over 30 years. Free, because the lender pays the specialist.
We match you with a vetted Adelaide-based home loan specialist. Free to you, no obligation, no lock-in.
Get Matched With An Adelaide Specialist →An Adelaide borrower on $90K single / $160K couple income with standard expenses typically borrows $510K–$870K. Adelaide’s cost of living is among the lowest of all capital cities, supporting strong borrowing power. Try the borrowing capacity calculator →
Yes — free to you. Adelaide specialists are paid a commission by the lender on settlement (typically 0.5–0.7% upfront + small trail). You pay the same rate whether direct or via specialist, but get the whole-of-market comparison done for free.
Yes. Adelaide specialists service every metro suburb plus Mount Barker, Gawler, the Adelaide Hills, Barossa Valley, Fleurieu Peninsula, and regional SA. Most work remotely via Zoom plus document e-signing, so location doesn’t affect service.