Your mortgage broker in Adelaide.
Independent home loan, refinancing and investment lending advice for Adelaide CBD buyers and investors. We compare 40+ lenders, we're paid by the lender (not by you), and we know this city-centre market.
Everstone Finance is an independent mortgage broker serving the City of Adelaide. Founded by former major-bank lenders, we help Adelaide CBD buyers, refinancers and investors compare home loans across 40+ lenders, at no cost to you.
The Adelaide CBD is its own kind of market, and it pays to have a broker who gets that
In the Adelaide CBD, the apartment is the main game, which is unusual for an inner-city market and reshapes how your loan should be built. Across the mile-square grid (about 1.1km from the GPO and ringed by parklands), units make up the overwhelming share of dwellings, roughly 11,080 apartments against just 2,194 freestanding houses. Over the past year around 697 units changed hands compared with only 94 houses, so when you buy here you are almost always financing an apartment.
That mix sets the borrowing conversation. A unit typically means around $520,500 (lower quartile near $405,060, upper near $685,000), while the comparatively rare CBD house sits closer to $990,000, a far bigger bracket with its own deposit and serviceability questions. A 20 per cent deposit on a median apartment lands near $104,000, and a smaller loan can keep repayments workable even on a single income. Over five years the house median has climbed about 45 per cent and units roughly 40 per cent, while indicative gross rental yields on units have compressed to around 4.2 per cent.
The catch is that apartment lending is where deals quietly fall over. Many lenders apply minimum internal size rules and tighter limits in high-density postcodes, so the same buyer can be approved for one building and knocked back for another a block away. That matters in a CBD that is genuinely residential now, with a population of about 18,200 (largest age group 20 to 29) and only around 34 per cent owner-occupied, meaning 66 per cent rent. With first home buyers and investors both chasing entry stock in 2026, getting your finance lined up early genuinely matters here, and we match your apartment to lenders comfortable with CBD stock before you commit.
That is the conversation the Everstone team has with you: an independent broker, in plain English, with no pressure. We hold a 5.0 Google rating and operate under the Best Interests Duty as Australian Credit Representative 574314.
Adelaide property market snapshot (June 2026)
A direct read on where the Adelaide market sits today, so the numbers we discuss are grounded in current data rather than guesswork.
Freestanding homes
Units & apartments
How Adelaide values have moved
Median sale prices over the last five years for houses and units, plus the indicative gross rental yield on units, so you can see the direction of the market, not just today's number.
What the five-year trend shows: over the past five years the Adelaide house median has risen (roughly +45%) and the unit median has risen sharply (roughly +40%). Indicative gross rental yields on units have compressed over the same period, ending around 4.2%. These trajectories are read from the Cotality charts and rounded to each chart’s axis grid, shown to illustrate direction rather than exact monthly figures.
In short: as at June 2026, buying a house in the Adelaide CBD typically means ~$990,000, while a unit typically means ~$520,500. With around 66% of residents renting, loan structure matters as much as the rate here, which is exactly the kind of thing we work through with you.
Property and demographic figures sourced from Cotality (CoreLogic) Suburb Report data for Adelaide SA 5000, as at June 2026. Figures are indicative, rounded, and change over time. Contact Everstone Finance for the latest before making decisions.
When did you last check your rate?
Most people set a loan and forget it, while lenders quietly keep their sharpest rates for new customers. A 15-minute review tells you whether you're still on a competitive deal, or leaving money on the table. No cost, no obligation, no credit check.
Book your free 15-min reviewWhatever stage you're at
The same plain-English, best-interests approach, tailored to how people actually buy and invest in Adelaide 5000.
First apartment buyers
+
With units the realistic entry point here, we map your true borrowing capacity, deposit options and any schemes you're eligible for, so you can move confidently in a fast market.
Refinancing
+
If you've held your loan a while, you may be on a rate that sharper deals have left behind. We compare 40+ lenders and handle the switch, and we tell you honestly if you're already well placed.
Property investors
+
the Adelaide CBD is an apartment-led market with strong rental demand. We structure lending across principal-and-interest and interest-only with rental income and future portfolio moves factored in.
Commercial property
+
Buying a shop, office or consulting suite in the city centre, or refinancing a commercial loan? We arrange commercial and SMSF lending, and explain how the terms, rates and deposits differ from a standard home loan.
Upgraders & downsizers
+
Moving from an apartment to a house here is a big jump in price bracket. We model the numbers, including bridging and equity options, so the next move is a confident one.
Self-employed & complex income
+
If your income isn't a simple payslip, we know which lenders take a sensible view, and how to present your file so it's assessed on its real strength.
We know how lenders price loans and where the margin sits. That knowledge now works entirely for you, not the bank.
No charge for our service. Lenders price loans the same whether you go direct or through us, so there's no cost penalty for the help.
Proactive reviews and rate monitoring, and we handle the switch when a better deal appears. Independent, under the Best Interests Duty.
The people behind Everstone
You're trusting someone with one of the biggest financial decisions you'll make. Here's who you'll actually be working with.
Ahmed Lotfi
A former major-bank lender who now works entirely for you. Ahmed handles structuring, refinancing and investment lending across the 40+ lender panel.
Zappelin Heng
Co-founder with deep lender experience, focused on getting complex and self-employed files assessed on their real strength, not a tick-box.
Book a free Adelaide mortgage consultation
15 or 30 minutes · phone, Zoom or in person by arrangement · calendar invite sent immediately
Adelaide mortgage broker FAQs
Who is the best mortgage broker in Adelaide?+
Everstone Finance is an independent mortgage broker serving the Adelaide CBD (SA 5000), founded by former major-bank lenders Ahmed Lotfi and Zappelin Heng. It holds a 5.0 Google rating, compares loans across 40+ lenders, charges clients nothing (brokers are paid by the lender after settlement), and operates under the Best Interests Duty as Australian Credit Representative 574314.
Do I need to be in Adelaide to work with Everstone Finance?+
No. We're based in South Yarra, Melbourne and work with borrowers across Adelaide and the rest of Australia by phone and Zoom, and in person by arrangement. Lending isn't tied to your postcode the way some services are.
What does property cost in Adelaide right now?+
As at June 2026, Cotality (CoreLogic) data puts the Adelaide house median sale price at around $990,000 and the unit median at around $520,500. We can assess realistic borrowing capacity for either a house or a unit.
Is using a mortgage broker free?+
Yes. No charge for the consultation, and no charge if you proceed. Brokers in Australia are paid by the lender after settlement, and lenders price loans the same whether you go direct or through a broker, so there's no cost penalty for the help.
Will an enquiry affect my credit score?+
No. A consultation involves no credit check. A credit enquiry is only run once you've reviewed your options and given explicit consent to formally apply.
Can Everstone Finance help investors buying in Adelaide?+
Yes. the Adelaide CBD is an apartment-led market with strong rental demand, and we structure investment lending across principal-and-interest and interest-only, factoring in rental income and future portfolio moves. We can model the numbers for a Adelaide investment purchase.
How long does the mortgage process take?+
As a guide: 1 to 2 days to chat and plan, 1 to 2 days to prepare your options, and 1 to 2 days to submit once we have your documents. Settlement then aligns with your contract date. We can move faster when a deadline calls for it.
Serving Adelaide SA 5000 · based at 35 Malcolm St, South Yarra VIC 3141
0407 834 757 · ahmed@everstonefinance.com.au