--- title: Mortgage Broker Adelaide | Home Loans & Refinancing | GNT Finance description: GNT Finance compares lenders for Adelaide buyers and investors by phone and video. $900,000 guarantee cap, no duty on new first homes and a $15,000 grant. url: https://gntfinance.com.au/mortgage-broker/adelaide/ section: locations updated: 2026-09-01 author: Gorakh Timilsina, GNT Finance --- # Adelaide Mortgage Broker **In short:** GNT Finance is a Melbourne-based mortgage broker serving Adelaide from Gawler to Aldinga by phone, video and e-signature. We compare lenders for first home buyers, defence and health workers and investors, and apply SA's rules: a $900,000 First Home Guarantee cap, no stamp duty for first home buyers of new homes, and a $15,000 grant. Nepali-speaking service is available. No cost to you in most cases. Adelaide was the affordable capital for a long time, and its prices have risen faster than most cities in recent years. The state's response has been to remove the barriers to building: no duty and a $15,000 grant for first home buyers who build or buy new. Combined with the guarantee's 5% deposit, that makes a house-and-land package in the northern or southern growth areas one of the cheapest routes into home ownership in any capital. ## Adelaide housing: what you are buying - **Northern growth areas**: Angle Vale, Riverlea, Munno Para, Blakeview and Gawler East, where house-and-land packages dominate. - **Northern established suburbs**: Elizabeth, Salisbury and Para Hills, with 1960s Housing Trust homes on generous blocks at accessible prices. - **Inner suburbs**: Norwood, Prospect, Unley and Goodwood, with bluestone villas, sandstone bungalows and townhouse infill. - **Western and coastal**: Glenelg, Henley Beach, Semaphore and West Lakes, from beachside apartments to family homes. - **Southern**: Seaford, Aldinga and Morphett Vale along the Seaford rail line, with newer estates near the coast. - **The Hills**: Mount Barker, the fastest-growing part of the state, plus Stirling and Aldgate for character homes. - **CBD and North Terrace**: a wave of apartment towers where lender policy is tighter on small units. Adelaide's bluestone and brick housing is standard security. The policy questions arise with small CBD apartments, Hills acreage and Fleurieu holiday homes. ## Schemes that matter in Adelaide | Scheme | Rule (at the time of writing) | |---|---| | First Home Guarantee cap | $900,000 for the Adelaide capital city area | | Stamp duty, new home or vacant land | Nil for eligible first home buyers | | Stamp duty, established home | Standard SA scale; no first home buyer relief | | First Home Owner Grant | $15,000 for a new home; no price cap since 2024 | | Help to Buy | Federal shared equity; income caps $100,000 single, $160,000 couple | The design strongly favours building. Read the [South Australia page](/mortgage-broker/south-australia/) for the state rules and our [First Home Guarantee guide](/guides/first-home-guarantee-5-percent-deposit/) for the federal conditions. ## Worked example: building in Riverlea Say you buy a $250,000 block in Riverlea and sign a $370,000 build contract, a total of $620,000, as your first home. - Stamp duty: nil on the land for an eligible first home buyer; no duty on the build contract. - First Home Owner Grant: $15,000 towards the build. - Deposit under the First Home Guarantee: 5% of $620,000, or $31,000, no LMI, subject to the lender accepting the package under the scheme. - Loan: $589,000, drawn in stages. For illustration, at 6.00% p.a. over 30 years the full repayment once complete is about $3,531 a month. By comparison, a $620,000 established home in Salisbury attracts the standard SA duty scale with no grant. The [stamp duty calculator](/calculators/stamp-duty/) shows the difference, and [construction loan progress payments](/guides/construction-loan-progress-payments/) explains how the build loan is drawn. ## Who we help in Adelaide - **First home buyers** in the growth areas, using the guarantee and the grant together. See [house-and-land packages](/services/house-and-land-packages/). - **Defence industry and defence members** at Osborne, Edinburgh and Keswick, whose allowances most lenders count. - **Melbourne investors** drawn by lower entry prices and steady rental demand, funding the deposit from existing equity. See [investment property loans](/services/investment-property-loans/) and the [investment property cashflow calculator](/calculators/investment-property-cashflow/). - **The Nepali community** in Adelaide's north and inner suburbs, with the whole process available in Nepali. ## How we work with Adelaide clients A phone or video discovery call, secure document upload, lender comparison, electronic identity verification and e-signed documents, with your Adelaide conveyancer handling the contract, Form 1 disclosure and settlement. ## Nearby areas Gawler and the Barossa, Mount Barker and the Hills, Victor Harbor and the Fleurieu, and the whole of [South Australia](/mortgage-broker/south-australia/). See also [Australia-wide](/mortgage-broker-australia/). ## Frequently asked questions ### What is the First Home Guarantee cap in Adelaide? $900,000 for the Adelaide capital city area at the time of writing, and $500,000 for regional South Australia. Since October 2025 there is no income test and unlimited places. You must be a citizen or permanent resident, 18 or over, buy as an owner-occupier and not have owned property in Australia in the last 10 years. Check the [eligibility calculator](/calculators/first-home-guarantee-eligibility/). ### Do Adelaide first home buyers pay stamp duty? Not on a new home or vacant land they build on, at the time of writing. Established homes attract the standard SA duty scale with no first home buyer relief, which is the main reason so many Adelaide first home buyers build. Confirm the current rules with RevenueSA before you decide between new and established. ### Is the $15,000 grant available on any new home? Yes, for eligible first home buyers, and the price cap was removed in 2024 so it applies to a new home at any value. The home must be new, meaning not previously occupied or sold as a residence, and you must live in it for the required period. Check RevenueSA for the current conditions. ### Can I use the guarantee and the grant together on a house-and-land package? Generally yes. The First Home Guarantee covers the deposit shortfall so no LMI applies, the grant is paid towards the build, and duty is nil on the land. The total price must sit under the $900,000 Adelaide cap and the lender must accept the package under the scheme. We confirm the lender's treatment before you sign the land contract. ## Talk to GNT Finance Building in Angle Vale, buying in Norwood, investing in Adelaide from Melbourne or refinancing? We compare lenders, apply South Australia's duty and grant rules and manage the loan by phone and video. [Book a free consultation](/contact/) or call 0426 403 703.