LOAN THEORY'S SERVICES
Educate, Facilitate, Accelerate
Whatever stage you're at, whatever you're trying to buy, refinance or pay off, we've likely helped someone in Adelaide do exactly that. Below are the areas we specialise in. Have a look through, and if you're not sure which one fits your situation, get in touch and we'll point you in the right direction.
HOME LOANS
Whether you're buying your first place, your next place, or refinancing the one you're in, we help Adelaide borrowers find a home loan that actually fits their situation. We compare across our lender panel rather than pushing one bank's product, so you're getting the loan that suits you, not the one that's easiest for us.
HOME LOAN DEPOSIT SCHEME
The Home Loan Deposit Scheme lets eligible first home buyers get into the market with as little as 5% deposit and skip Lenders Mortgage Insurance, which on an Adelaide median priced home can save you tens of thousands of dollars. Spots are limited each year, so timing matters here more than people realise, and we'll let you know exactly where things stand.
CONSTRUCTION LOANS
Building rather than buying changes how your loan works. Funds are released in stages as construction progresses, and lenders want specific documentation from your builder before each drawdown. We make sure your loan is structured to match your build timeline, so payments land when they're actually needed, not before.
GUARANTOR LOANS
If your deposit's still a bit short, a guarantor loan lets a family member use equity in their own home to help you get over the line, without them handing over any cash. It's one of the most misunderstood loan types we deal with, so we walk families through exactly what it means before anyone signs anything.
FIRST HOME BUYER LOANS
Buying your first home in Adelaide comes with more moving parts than people expect: deposit schemes, lender rules that treat first timers differently, and paperwork that changes depending on which scheme you're using. We walk you through what you actually qualify for, from low deposit options to government incentives, so you're not guessing your way through the biggest purchase of your life.
REFINANCE LOANS
Rates crept up, your fixed period ended, or your current lender's just stopped being competitive. Refinancing means moving your loan to a better deal, either with your existing lender or a new one, and for a lot of Adelaide homeowners it's worth checking every year or two, not just when repayments start to bite.
SPLIT LOANS
A split loan lets you put part of your mortgage on a fixed rate and part on variable, so you get some certainty in your repayments while still keeping flexibility on the rest. It's a good middle ground for Adelaide borrowers who don't want to bet the whole loan on rates going one way or the other.
INVESTMENT PROPERTY LOANS
Investment lending works differently to a standard home loan, particularly around how rental income is assessed and how your existing equity gets used. With Adelaide's rental market staying tight, more first time investors are stepping in, and getting the loan structure right from the start makes a real difference to what you can borrow next.
SELF EMPLOYED LOANS
Standard payslips don't tell your income story if you're self employed. Lenders assess self employed borrowers differently, and the right approach depends on how long you've been trading, how your income's structured, and which lenders are genuinely comfortable with business financials. We know which ones are, and how to present your numbers so they get read properly.
NEW HOME BUILD LOANS
Starting from a vacant block or a house and land package brings its own finance timeline, land settlement, then staged construction funding as the build progresses. We help Adelaide clients sequence the finance correctly from the land purchase through to the final progress payment, so nothing stalls partway through.
DEBT CONSOLIDATION LOANS
Rolling personal loans, car loans or credit cards into one manageable repayment can simplify your finances and, depending on your situation, reduce the interest you're paying overall. We'll walk you through exactly what consolidating your debts would look like for your cash flow and your long term interest costs, so you can see the real numbers before deciding.
HOMESTART REFINANCE LOANS
Moving off a HomeStart loan and into a standard home loan can bring your interest rate down and open up more lender options, but the process has its own eligibility rules and timing considerations. We'll assess where you stand and what refinancing away from HomeStart would actually mean for your repayments.
PRE-APPROVAL FINANCE
Before you start inspecting seriously, pre-approval finance tells you what you can actually spend, so you're not falling in love with a place two suburbs above your budget. In an Adelaide market where good homes move fast, walking into an open inspection with pre-approval already sorted puts you ahead of buyers who haven't.
LOW DOC LOANS
When your income's harder to prove through standard documentation, whether you're self employed, between jobs, or your financials are still catching up to your business, low doc loans offer an alternative path. They come with different lender requirements and rate considerations, and we'll explain exactly what those trade-offs mean for you.
RENOVATION LOANS
Whether it's a kitchen update or a full extension, how you finance a renovation affects what it actually costs you. Using existing equity or a dedicated renovation loan can work out very differently to putting it on a personal loan or credit card, and we'll help you work out which approach makes sense for the size of the job.
BAD CREDIT LOANS
A past default, a missed payment, or a credit history that doesn't fit standard lending criteria doesn't automatically rule you out of a home loan. Specialist lenders assess your situation differently, and we know which ones genuinely work with borrowers who've had a setback, rather than just charging more for the same product.
TALK TO SOMEONE TODAY BEFORE IT'S TOO LATE
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COMMON QUESTIONS
Here to answer all of the tricky questions
What is your situation? What loan product is right for you? We have over 40 lenders, with over 200 different products. Not everyone is the same, not every loan is the same. Request a call today about your situation.
How much can I borrow?
This is determined based on your free cashflow. A calculation of your net income against your expenses. Talk to us to discuss your borrowing capacity
How long does it take to get approved?
This can vary from lender to lender and their current processing times. Processing times can vary based on the lender demand, their internal process and your application. Before submitting to a lender we can give you an estimate time of approval based on the lender selected.
Why use a broker?
As a broker we have access to over 40 different lenders and over 200 different products. This gives us the ability to place you with a lender and product that suits. Unlike a bank that can only sell their products and may only have up to 5 different loan products.
How much will I need for a deposit?
This will depend on your purchase price goals, what government incentives and what lenders you might qualify for. We have lenders that can lend up to 97% of the property value. Talk to us today to discuss your deposit requirements.
