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Practical guides on home loans, refinancing, first home buyers and the Adelaide property market - written by licensed mortgage brokers.

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50 articles · Written by licensed Adelaide mortgage brokers
Featured article
Brokers
What does a mortgage broker do?
A plain English explanation of what a broker actually does, how they are paid, and why 74% of Australians now use one.
Jason Given · April 2026 · 5 min read
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First home
Best home loans for first home buyers
Grants, guarantees, concessions and the right loan features - everything first home buyers need to know before applying in 2026.
Jason Given · 7 min read
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Refinancing
What is refinancing a home loan?
Refinancing means replacing your existing home loan with a new one - usually from a different lender. Here is when it makes sense and what it involves.
Jason Given · 5 min read
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Borrowing
How much can I borrow in Adelaide?
How lenders calculate your borrowing capacity and what you can do to maximise it. Expert guidance from Lendology.
Jason Given · 6 min read
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First home
First home buyer grants SA 2026
A guide to first home buyer grants and schemes in South Australia including the First Home Guarantee and stamp duty concessions.
Jason Given · 6 min read
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Buying costs
Stamp duty SA - what you pay in 2026
Rates, first home buyer concessions, exemptions and how to calculate what you will pay in Adelaide.
Jason Given · 5 min read
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Market
Adelaide property market 2026
What's happening with prices, supply, and interest rates - and what it means for buyers and investors right now.
Jason Given · 6 min read
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Refinancing
Should I refinance my home loan?
When refinancing makes sense, what it costs, and how to compare your options honestly.
Jason Given · 5 min read
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Brokers
Mortgage broker vs bank
Should you use a mortgage broker or go directly to a bank? An honest comparison of the two approaches.
Jason Given · 5 min read
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Buying
Home loan pre-approval guide
What is pre-approval, how long does it take, and do you actually need it before you start looking at properties?
Jason Given · 5 min read
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Rates
Fixed vs variable home loans
The pros, cons and current market considerations for Adelaide borrowers choosing between fixed and variable.
Steve Chin · 5 min read
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Strategy
How does an offset account work?
What a mortgage offset account is, how it reduces your interest, and when it's worth having.
Jason Given · 5 min read
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First home
First Home Guarantee guide 2026
Who qualifies, how it works, property price caps, and how to apply through Lendology.
Jason Given · 6 min read
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First home
How much deposit do you need?
The real numbers for Adelaide in 2026, including low deposit options and government schemes.
Jason Given · 5 min read
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First home
First Home Owner Grant SA
Is the FHOG still available? What it covers, who qualifies, how much it is, and how to claim it.
Jason Given · 5 min read
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First home
What is Lenders Mortgage Insurance?
Who pays LMI, how much it costs, and how you can avoid paying it entirely.
Jason Given · 5 min read
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Refinancing
The real cost of refinancing
Discharge fees, break costs, registration fees and how to calculate if switching is actually worth it.
Jason Given · 5 min read
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Refinancing
How does refinancing work?
A step-by-step guide from assessing your current loan to settlement with your new lender.
Jason Given · 5 min read
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Refinancing
When to refinance your home loan
The signs to look for, the questions to ask, and how Lendology helps you decide.
Jason Given · 5 min read
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Refinancing
How to switch home loans
Step-by-step guide to switching your home loan in Adelaide. What to expect and how we manage the process.
Jason Given · 5 min read
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Investing
How to structure an investment loan
Structure for cash flow, tax efficiency and long-term portfolio growth in Adelaide.
Steve Chin · 6 min read
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Investing
Using equity to buy investment property
How to use the equity in your Adelaide home to buy an investment property and structure it correctly.
Jason Given · 5 min read
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Investing
Negative gearing explained
What it is and how it works with investment property loans in Australia. Plain English.
Jason Given · 5 min read
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Self-employed
Self-employed home loans explained
How lenders assess self-employed income, what you need to prepare, and how Lendology helps.
Jason Given · 6 min read
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Self-employed
Low doc home loans explained
Struggling to prove income the standard way? What low doc loans are, who qualifies, and what to expect.
Jason Given · 5 min read
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Separation
Separation finance - your options
Your mortgage and finance options when going through separation or divorce in Adelaide.
Jason Given · 6 min read
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Bridging
Bridging loans Adelaide guide
How bridging loans work. Buy your next home before your current one sells.
Jason Given · 5 min read
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Borrowing
Borrowing capacity guide 2026
What increases your borrowing capacity, what reduces it, and how a broker can help you maximise it.
Jason Given · 6 min read
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Rates
Fixed vs variable - the full guide
The real differences, when each makes sense, and what Adelaide borrowers should consider right now.
Jason Given · 7 min read
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Rates
How to compare home loan rates
Comparing rates is more than the headline number. Here is what to actually look at.
Jason Given · 5 min read
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Strategy
Interest only vs principal and interest
Which is better for owner-occupiers vs investors? The trade-offs explained.
Jason Given · 5 min read
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Strategy
How does a home loan work?
How the structure, repayments and features work in Australia. A complete beginner's guide.
Jason Given · 6 min read
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Strategy
How home loan interest is calculated
Interest is calculated daily on your outstanding balance. Understanding this changes everything.
Jason Given · 5 min read
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Strategy
How repayments are calculated
Your repayment is determined by loan amount, rate and term. Here is the exact calculation.
Jason Given · 5 min read
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Strategy
How a home loan top-up works
Borrow additional funds against your existing property without refinancing. When it makes sense.
Jason Given · 5 min read
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Brokers
Can a broker get better rates?
Brokers often access rates not available directly. Here is how it works and what to expect.
Jason Given · 5 min read
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Brokers
What fees do brokers charge?
Most brokers charge no fees - they are paid by the lender at settlement. Here is how it works.
Jason Given · 5 min read
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Buying
Home loan approval timeline
Pre-approval to formal approval to settlement - the real timeline explained.
Jason Given · 5 min read
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Buying
Documents needed for a home loan
Complete checklist for PAYG employees, self-employed borrowers and investors.
Jason Given · 5 min read
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Rates
Interest Rate Outlook for 2026
Where are rates heading? What the RBA is signalling and what it means for your home loan.
Jason Given · 7 min read
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Market
What the Iran Conflict Means for Australian Home Loans
How geopolitical instability affects Australian interest rates, oil prices and your repayments.
Jason Given · 6 min read
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Market
Will Adelaide House Prices Drop in 2026?
Supply, demand, migration and rate factors that will determine price direction.
Jason Given · 6 min read
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Borrowing
How Cost of Living Pressures Affect Borrowing
Rising costs directly reduce how much you can borrow. Here is what to do about it.
Steve Chin · 6 min read
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Rates
Should I Fix My Rate Right Now?
Fixed or variable in the current market? How to decide based on your situation.
Steve Chin · 5 min read
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Borrowing
The APRA Serviceability Buffer Explained
The 3% buffer reduces your borrowing by tens of thousands. What it is and why it matters.
Jason Given · 5 min read
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Borrowing
Stage 3 Tax Cuts and Your Borrowing Power
The tax cuts increased your take-home pay and your borrowing capacity. Here is how much.
Jason Given · 5 min read
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First home
Is Now a Good Time to Buy Your First Home?
An honest assessment of whether 2026 is the right time for Adelaide first home buyers.
Jason Given · 6 min read
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Buying
Renting vs Buying in Adelaide 2026
With rents at record highs, is it cheaper to buy? A real cost comparison.
Steve Chin · 6 min read
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Strategy
Rising Insurance Costs and Your Home Loan
How sharply rising premiums affect your borrowing capacity and repayments.
Steve Chin · 5 min read
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Buying
Can I Buy a House on One Income?
Buying solo in Adelaide is harder but not impossible. Here is how to maximise your position.
Jason Given · 6 min read
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Strategy
What Happens to My Mortgage If I Lose My Job?
Losing income does not mean losing your home. The options available and how to prepare.
Jason Given · 5 min read
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