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Private lenders in Adelaide and South Australia

Private lenders Adelaide borrowers use offer short-term property-secured finance for purchases, bridging, refinance and development. Decisions rest on the property, the loan-to-value ratio and the exit. In South Australia, titles are handled through Land Services SA, and duty and land tax by RevenueSA.

Written by Richard Goodwin, Founder and author, PrivetReviewed by Privet Team, Editorial review team, PrivetLast reviewed 23 October 2026

Commercial precincts and what lenders consider

  • Adelaide CBD and North Adelaide: office, retail and apartment property.
  • Norwood, Kent Town and the inner east: boutique commercial and mixed-use.
  • Port Adelaide, Wingfield and Regency Park: industrial and logistics.
  • Mawson Lakes and the northern corridor, including Edinburgh: industrial and defence-related property.
  • Lonsdale and the southern suburbs, plus regional centres such as Mount Gambier, Whyalla and the Barossa.

Local rules that affect a loan in South Australia

Mortgages and caveats are registered on the South Australian title register via Land Services SA. RevenueSA assesses stamp duty and land tax. Check the SA stamp duty page and development finance in SA.

Frequently asked questions

Is private finance common for Adelaide developments?

Private and non-bank lenders often fund smaller developments and residual stock where banks are cautious. Pricing depends on pre-sales, costs and the exit.

Regions in this state

Glossary: valuation

Run the numbers

Test cost and timing with the matching calculator before you speak to anyone. Then send one enquiry to finance providers.

Cite or share this guide

Privet (2026). Private lenders in Adelaide and South Australia. Retrieved from https://privet.com.au/private-lenders/south-australia

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