Compare 32+ lenders for Adelaide properties. From CBD to Hills, coastal suburbs to wine regions. Expert local knowledge, competitive rates, fast approval. Servicing all Adelaide suburbs.
Most liveable city. Very affordable. Wine capital. Festivals, churches, parklands. Steady growth with lifestyle appeal.
$720K
Units: $450K | Inner suburbs: $900K | Adelaide Hills: $850K | Northern suburbs: $550K | Coastal: $800K
10-year growth: 48%. Recent 12 months: +9.2%. Steady, sustainable growth. Very affordable major city. Good rental yields. Conservative market.
Salisbury, Munno Para (growth). Unley, Norwood, Burnside (premium). Morphett Vale, Gawler, Elizabeth (affordable entry).
32+ lenders active in Adelaide. Major banks, Bank SA (local), credit unions. Competitive rates. Good local lender presence. Strong community banking.
1.4M residents. Growing 1.2% annually. Interstate migration increasing for affordability. Wine, defense, healthcare sectors. Lifestyle appeal.
Defense, healthcare, education, wine, tourism. CBD, Mawson Lakes, Salisbury, Edinburgh Parks. Growing tech sector. Stable employment market.
Real borrowing scenarios for Adelaide properties. Most affordable major city with strong wage growth from mining sector.
Entry-level Adelaide suburbs
Annual Income
$80,000
20% Deposit Saved
$80,000
Maximum Borrowing Capacity
$400,000
Purchase price up to: $480,000 (with $80K deposit)
Target suburbs: Baldivis, Mandurah, Rockingham, Byford, Kwinana. Outer southern suburbs. Units in Joondalup, Midland, Armadale. Good rental yields (4-5%). Train access to CBD.
Typical loan structure: 20% deposit (no LMI), 30-year term, variable rate 6.2%. Monthly repayment approx $2,400. May qualify for SA First Home Owner Grant ($10,000) and stamp duty concessions. Consider HomeStart for lower deposits.
Established suburbs
Combined Income
$145,000
15% Deposit Saved
$120,000
Maximum Borrowing Capacity
$725,000
Purchase price up to: $845,000 (with $120K deposit + LMI)
Target suburbs: Ellenbrook, Butler, Alkimos, Southern River, Canning Vale. Growing northern and southern corridors. Good family suburbs. Close to mining hubs like Osborne Park.
Typical loan structure: 15% deposit ($120K) + LMI ($16K-$22K), 30-year term, variable rate 6.0%. Monthly repayment approx $4,500. FIFO-friendly lenders count allowances. Consider offset for tax benefits if investing.
Coastal and western suburbs
Combined Income
$220,000+
20% Deposit
$280,000
Maximum Borrowing Capacity
$1,100,000
Purchase price up to: $1,380,000 (with $280K deposit)
Target suburbs: Cottesloe, Claremont, Nedlands, Subiaco, Mosman Park, Peppermint Grove. Coastal lifestyle, riverside living. Adelaide's blue-chip suburbs. Top schools (Christ Church, Scotch, MLC).
Typical loan structure: 20% deposit (no LMI), 30-year term, variable rate with professional package (5.8%-6.0%), offset account, redraw. May split loan. Adelaide's premium suburbs offer lifestyle and long-term capital growth.
Find the right Adelaide suburb for your borrowing capacity. Most affordable major city with coastal lifestyle.
Perfect for first home buyers. Outer suburbs with growth potential. Good rental yields. Most affordable major city entry.
Southern Suburbs
Mandurah, Baldivis, Rockingham, Kwinana. 40-60km from CBD. Beach access, affordable land. Growing families area. Train to Adelaide.
Outer North
Yanchep, Two Rocks, Carramar, Banksia Grove. 40-50km from CBD. New estates, modern homes. Beach nearby. Fast-growing area.
South-East
Armadale, Gosnells, Kelmscott, Byford. 25-35km from CBD. Affordable houses on land. Train access. Good for young families.
Units Near Centres
Midland, Joondalup, Fremantle units. 15-25km from CBD. Older apartments in activity centres. Good transport. Investors love these.
Established suburbs with amenities. Good schools, transport, shopping. Family-friendly with capital growth.
Northern Corridors
Ellenbrook, Butler, Alkimos, Quinns Rocks. 25-35km from CBD. New estates, modern homes. Good schools. Growing fast. Beach access.
Southern River
Southern River, Canning Vale, Forrestdale, Harrisdale. 20-30km from CBD. Family suburbs. Good schools. Tonkin Highway access.
Eastern Suburbs
Morley, Dianella, Bedford, Inglewood. 8-12km from CBD. Established suburbs. Good transport. Close to Adelaide Airport. Gentrifying.
Inner South
Cannington, Riverton, Willetton, Bull Creek. 10-15km from CBD. Good schools. Shopping centres. Train access. Established areas.
Sought-after suburbs. Close to city, river, or beach. Good schools. Lifestyle appeal. Strong capital growth.
Riverside
Applecross, Mount Pleasant, Como, Burswood. 6-10km from CBD. Swan River views. Good schools. Cafes and restaurants. Family appeal.
Coastal North
Scarborough, Trigg, Sorrento, Hillarys. 10-15km from CBD. Beach lifestyle. Sunset Coast. Cafes and dining. Popular with young professionals.
Western Suburbs
City Beach, Wembley, Floreat, Churchlands. 7-10km from CBD. Close to beaches. Good schools (Hale, Christchurch). Leafy streets.
Port City
Fremantle, East Fremantle, Beaconsfield, White Gum Valley. 15-20km from CBD. Historic port. Arts and culture. Cafes, markets.
Adelaide's blue-chip suburbs. Beachfront, river views, prestige addresses. Top schools and lifestyle. Excellent long-term growth.
Golden Triangle
Cottesloe, Claremont, Peppermint Grove, Mosman Park. 7-12km from CBD. Adelaide's most expensive. Beaches, river, top schools. Grand homes.
Western Suburbs Elite
Nedlands, Dalkeith, Swanbourne, Subiaco. 5-8km from CBD. University precinct. Elite schools (Christ Church, Scotch, MLC). Heritage homes.
Riverside Premium
Applecross waterfront, Bicton, Attadale. 8-12km from CBD. Swan River frontage. Private jetties. Boat access. Exclusive riverside living.
Hills & Acreage
Kalamunda, Lesmurdie, Darlington. 20-30km from CBD. Adelaide Hills. Acreage blocks. Bushland privacy. Spectacular city views.
Common questions about getting a home loan in Adelaide
Absolutely. Adelaide is Australia's most affordable major city (median $720K), has strongest recent growth (+9.2% annually), mining boom 3.0 is underway, severe rental crisis pushing prices up, and it's isolated from east coast market cycles. Adelaide offers best value entry for major city lifestyle with beaches, good weather, and high mining wages.
Yes, FIFO-friendly lenders exist. They count FIFO allowances (living away, travel, roster allowances) as income, not just base salary. This significantly increases borrowing capacity. Require 12 months employment history, payslips showing allowances, and employer letter confirming ongoing FIFO roster. Major banks, Bankwest, and specialist non-banks all offer FIFO loans. Adelaide brokers understand mining sector employment.
SA offers $10,000 First Home Owner Grant for new builds or substantially renovated homes valued up to $725,000. Stamp duty concessions for properties up to $430,000 (eligible for full or partial concession). HomeStart low deposit scheme (2% deposit for eligible buyers). Regional areas get higher grants. Combined savings can be $15K-$25K on typical first home purchase.
Experts predict continued growth. Mining boom 3.0 is starting (lithium, iron ore, rare earths), rental vacancy under 1% (severe shortage), interstate migration increasing from expensive east coast cities, and Adelaide still 40% cheaper than Sydney. Major infrastructure projects underway (Metronet). Predictions: +8-12% growth for next 2-3 years, then stabilizing. Still best value major city entry point.
Coastal suburbs (Scarborough, Cottesloe, Fremantle) offer lifestyle, prestige, and long-term capital growth, but higher entry prices ($1M+) and lower rental yields (3-4%). Inland growth corridors (Ellenbrook, Baldivis, Butler) offer affordable entry ($500K-$700K), higher rental yields (4-6%), and strong recent growth, but longer commutes. For owner-occupiers prioritizing lifestyle, choose coast. For investors or budget-conscious buyers, choose growth corridors.
Adelaide rates match national rates: owner-occupier variable 5.8%-6.5%, fixed 5.9%-6.3%, investor +0.3%-0.5% higher. Bankwest (SA-based) sometimes offers competitive local rates. FIFO workers can access professional packages at 5.8%-6.0% with offset and fee waivers. Rates depend on deposit size, loan features, and lender. Adelaide's competitive lending market ensures good deals available.
HomeStart is SA Government's low deposit home loan scheme. Allows 2% deposit (vs typical 20%), no Lenders Mortgage Insurance, income limits apply (singles $110K, couples $170K), property price caps ($530K metro, higher regional), and must be first home buyer. HomeStart owns portion of property, you buy them out over time. Helped 90,000+ West Australians buy homes. Excellent option for low-deposit buyers in Adelaide.
Pre-approval takes 1-3 business days with complete documentation. Adelaide's competitive market means pre-approval essential before making offers. Required: recent payslips, tax returns (if self-employed/FIFO), bank statements, ID, existing debt details. Some lenders offer 24-hour conditional approval. Pre-approval valid 90 days. For FIFO workers, allow extra day for specialist lender assessment of allowances.
Get pre-approved in 2 minutes. Compare 32+ lenders. FIFO-friendly specialists. Expert Adelaide property advice. Free service.
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