South Australia
Private lenders in Adelaide
How private property loans work in Adelaide, what they cost and how to compare them safely.
Quick answer
Private lenders in Adelaide offer short-term loans secured by property, judged mainly on the security and your exit plan. They cost more than banks, so compare the total cost, fees and exit before you commit.
The local picture
Adelaide is the capital of South Australia. Homes, investment properties, commercial premises and infill development sites are typical security.
Adelaide is laid out around its city centre and parklands, with established inner suburbs, growth areas to the north and south, and the Adelaide Hills and Barossa nearby. Infill development of older blocks is common, and many sites carry character or heritage zoning. Titles are recorded with Land Services SA and land tax is assessed by RevenueSA on land owned at 30 June. Obtain the Register Search Plus and planning information before relying on a development exit.
Title, duty and tax in South Australia
Loans secured on property in Adelaide are recorded with Land Services SA. If you are buying, RevenueSA charges stamp duty; see SA stamp duty.
Loan types in South Australia
What it costs
Expect interest plus establishment, valuation and legal fees, and sometimes prepaid interest. Use the loan cost calculator to see the full cost of any offer.
Common questions
How do private lenders work in Adelaide?
They lend short term against property, judging mainly the security and your repayment plan. The loan is recorded on the title with Land Services SA.
How do I check a lender in Adelaide is legitimate?
Check the business on ASIC registers and ABN Lookup, avoid large upfront fees before a written offer, and have your own lawyer review the documents.
Do I need an exit plan?
Yes. Most private loans are short term, so lenders want a clear way to repay, such as a sale or refinance, plus a backup.
Also in South Australia: Mount Gambier, Barossa Valley, Adelaide Hills, Victor Harbor and the Fleurieu Peninsula, Port Lincoln and the Eyre Peninsula, Whyalla, Port Augusta and Port Pirie. All regions.