Low Rate Home Loans

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Low Rate Home Loans

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Low Rate Home Loans, Memorial Drive, Tea Tree Gully, Adelaide.

🏆 Award-winning SA mortgage brokers
🏡 Residential | 🚗 Asset | 💳 Personal | 🏦 Commercial
🥇 Best New Broker Australia FY24
⭐ 4xPremier Broker
🤝 Community Ambassador Finalist FY24+25

28/10/2026

Ever wondered what happens behind the scenes when a bank assesses your home loan? 🏡

Income, expenses, debts and more can all play a part in

27/10/2026

Thank you so much for the lovely feedback, Marinder 🙌

We’re so glad that Harry and the team could make your lending experience a positive one and provide the support and guidance you needed throughout the process.

We truly appreciate your trust in Low Rate Home Loans and are grateful you took the time to share your experience!

23/10/2026

Not sure if anyone heard about the recent interest rise

22/10/2026

Thank you so much for the fantastic review, Jonathon! 🙌🏡

We’re glad we could help make your lending journey feel less complicated and provide the guidance needed to move forward with confidence.

Clear communication and genuine support are at the heart of what we do. We truly appreciate your kind words and recommendation!

21/10/2026

Struggling to meet traditional home loan documentation requirements?

No doc loans may offer an alternative for certain borrowers, depending on the lender and your circumstances.

20/10/2026

Five years in the game!
A lot has changed since Harry first became a mortgage broker but the goal has always been the same… helping people make smarter moves with their money and property.

19/10/2026

Want to buy your next property without starting your savings from scratch? 🏡

Using equity could help you fund your next move, depending on your circumstances.

18/10/2026

Being self employed doesn’t mean you can’t get a home loan… but lenders may assess your income differently.

16/10/2026

Buying a home costs more than
just the deposit. 🏡

Know the upfront costs to budget for before making your move.

13/10/2026

• Work out your borrowing power first
Know roughly what a lender may be willing to lend you before you start falling in love with properties outside your budget.

• Work out your actual budget
Your purchase price isn't the only cost. Think about your deposit, stamp duty, conveyancing, inspections, loan costs and other upfront expenses.

• Check what government schemes you may be eligible for
There are different first home buyer schemes and concessions available depending on your circumstances, location and property.

• Get your finances in order
Lenders look at more than just your salary. Your existing debts, expenses, credit history and overall financial position can all come into play.

• Get preapproval where appropriate
It can give you a clearer idea of your budget and put you in a better position when you find the right property.

• Then start looking at properties
Once you know your numbers, you can actually enjoy scrolling through listings without wondering whether you can afford them.

The biggest mistake? Starting with the house and trying to work backwards from there.

Start with the numbers then find the house that fits.

Thinking about buying your first home? Let’s chat.

Address

Memorial Drive, Tea Tree Gully
Adelaide, SA
5091

Website

http://lowratehomeloans.com.au/

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