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Looking for a Mortgage Broker in Adelaide? Mortgage Choice has expert mortgage brokers located right across Adelaide & surrounds. We offer you the choice of hundreds of great home loan deals from over 20 lenders, with appointments at the time and place that suits you.

Mortgage Choice brokers compare hundreds of home loans to find you the home loan that best suits your needs. Find a local mortgage broker now for expert advice at no cost to you.

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Lenders raise rates despite RBA hold

It’s another month of Groundhog Day at the Reserve Bank of Australia (RBA), with the official cash rate maintaining its holding pattern at 1.5% - the same rate we’ve seen for over two years.

‘More of the same’ is fantastic when rates are at their current record lows, and combined with cooler property markets in our biggest cities – Sydney and Melbourne, home buyers, and in particular, first home buyers, are enjoying a real shot at achieving their property goals.
Economic conditions globally remain positive. Here in Australia, we’re on track to notch up a healthy level of economic growth, and both inflation and unemployment remain low.

Across the nation, a number of key property markets are quieter than they were a year ago, and despite price falls in Melbourne, Perth and Sydney, it’s worth bearing in mind that home values remain 31% higher than they were five years ago. High levels of stock listed for sale are giving buyers plenty of choice and lots of room to flex their negotiating muscle – and that’s always a good thing.

There’s a lot to love about Adelaide’s property market! It’s a sure and steady performer, and that’s just what we’re seeing right now, with figures from CoreLogic showing Adelaide home values have remained stable, rising 0.3% in August and 1.0% annually. In fact, Adelaide was the best performing capital city over the three months to August.

Units are the big achiever in Adelaide right now, growing 0.7% year to date, while house values turned in more modest gains of 0.6%.

With Adelaide offering some of Australia’s most affordable housing, this exceptionally liveable city is dishing up a world of opportunity for investors and home buyers alike.

What does it mean for you?

While the RBA is happy to take a wait and see approach with the official cash rate, some lenders have recently raised their variable home loan rates in response to higher funding costs. This highlights the importance of checking that your current home loan remains right for your needs – both in terms of rate, features and flexibility.

We have local experts available to help you with all things finance related. They'll make complicated easy and provide you with the information and advice you need to make the right decisions with your money.

We can assist you with your personal finances including your home loan, car loan and insurances and our financial advisers can help you plan to achieve your financial goals now and in the future. We can also help you organise finance to start or grow your business and fund your assets.

Contact one of our local experts today to see how we can help you. 

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We know how important it is for you to be able to trust the advice you are receiving from our experts.

Our home loan service comes at no cost to you because we get paid a commission by the lender when you settle a home loan. We then pay your broker but we do it differently from other mortgage brokers. Your Mortgage Choice broker gets paid the same rate of commission no matter which home loan you choose from our wide choice of lenders.

This makes sure they always have your best interests at heart.

Mortgage Choice was founded by the Higgins brothers over 25 years ago. They believed in giving Australians access to a choice of home loans, backed by expert advice to help them make the right choice. They were pioneers in mortgage broking and we've since helped over 400,000 people with their home loans.

Over the years, our passion for offering choice and advice has been extended to other areas of personal and business finance, including our industry leading financial planning service.

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