Building your dream home or tackling a major renovation? We’ll structure your finance so progress payments, budgets, and redraws all work in your favour, keeping your project on track and stress-free.
Planning to build your dream home or renovate your existing space? Our Construction & Renovation service offers expert guidance and tailored financial solutions to keep your project on budget, on time, and structured for long-term financial success.
Every construction and renovation project is unique, requiring a flexible loan structure that accommodates the various phases of building, from initial permits to final finishes. We help you secure loans specifically designed for construction needs, with features such as progress drawdowns and interest-only periods that ease cash flow pressures as your project progresses.
Navigating the financial complexities of construction or renovation can be daunting. Our experienced team guides you through loan options, budgeting strategies, and timing considerations to ensure you have the funds when you need them most. We also advise on cost-saving opportunities and government incentives that may apply to your project.
Construction projects come with inherent risks, and managing these effectively protects your investment. We partner with trusted financial institutions offering insurance options, flexible repayment terms, and contingency funds to safeguard you against unexpected costs or delays.
Our commitment doesn’t end once your loan settles. We provide ongoing monitoring and advice throughout your construction or renovation journey, helping you manage repayments, adjust plans as needed, and ultimately position your property and finances for long-term growth and equity.
Your borrowing power depends on your income, expenses, debts, and deposit size. At Crown Money SA, we not only calculate what you can borrow, we help you understand what you should borrow to stay financially comfortable and reach your goals faster.
Yes! Many clients use built-up equity in their current home to purchase an investment property or upgrade. We’ll help you structure your loans smartly so you grow your wealth without over-stretching your cash flow.
Comparing variable home loans involves more than just looking at the lowest interest rate. You should also consider fees, offset accounts, redraw features, repayment flexibility, and how the loan performs over time. Many comparison websites only show headline rates and don’t account for long-term interest costs. We can compare variable home loan options across multiple lenders for you, explain the differences clearly, and help structure the loan so you reduce your mortgage faster while paying less interest overall.
Most lenders require 10–20% of the purchase price, though this can vary depending on your situation. We can also explore low-deposit options and guarantor structures to help you get into the market sooner.
In South Australia, the First Home Owner Grant (FHOG) is administered by RevenueSA, but most buyers apply for it through their home loan rather than directly. If you’re eligible, your bank or mortgage broker (us!) will submit the application on your behalf as part of the loan process. The grant is currently available for new homes only, including house-and-land packages and off-the-plan purchases, subject to eligibility criteria and property value limits. We can confirm your eligibility and ensure the grant is correctly applied to your loan.
Pre-approval timeframes vary by lender, but most applications take 3-10 business days, depending on how quickly supporting documents are provided and how busy the lender is. Full approval usually follows once your property is confirmed. Our team keeps the process moving and communicates with you every step of the way.
Unlike traditional brokers, we don’t stop once your loan settles. We offer ongoing coaching, accountability, and annual reviews to help you pay off your home in record time, often within 12–15 years instead of 30.
Rental income can help you qualify for a higher loan amount, while tax deductions (like interest and depreciation) can improve your cash flow. We’ll show you how to structure your investment loans to maximise these benefits safely.
An investment loan is designed for properties you rent out, not live in. Lenders assess them differently, often with slightly higher rates. We’ll help you choose the right setup so your investment supports your long-term wealth strategy.
A reputable mortgage broker in Adelaide should be ASIC-licensed, accredited with a wide range of lenders, and transparent about their advice. Look for a broker with strong local reviews, clear communication, and a focus on long-term outcomes rather than quick approvals. A local Adelaide broker will also understand South Australian property values, first home buyer grants, and state-specific lending rules, helping you choose a loan that suits your goals both now and in the future.
Low deposit home loans are offered by many Australian lenders, including major banks and specialist lenders. Depending on your circumstances, you may be able to purchase a property with as little as a 5% deposit, a family guarantor, or through government schemes such as the First Home Guarantee. Eligibility depends on factors such as income, employment, credit history, and property type. We can assess which lenders offer suitable low deposit options and help you avoid loans with higher long-term costs.
Fixed rate home loan options in Australia vary by lender and change regularly. Rates depend on factors such as loan term, loan size, loan-to-value ratio, and whether the loan is owner-occupied or an investment. Fixed rate loans often come with limits on extra repayments and may not include offset accounts. Because fixed rates can change frequently, we can compare current fixed rate options and advise whether a fixed, variable, or split loan strategy is most suitable for your situation.
There is no single best mortgage home loan lender in Australia, as the right lender depends on your personal financial situation and goals. Some lenders specialise in first home buyers, others in low rates, flexible features, or self-employed borrowers. The best outcome comes from choosing the right loan structure rather than the biggest brand name. We can compare multiple lenders and recommend the most suitable option based on your income, property plans, and long-term strategy.
